Missouri Personal Injury Laws

Choose Spencer Farris

When you’ve been hurt, you have a choice to make on which attorney you hire. But the good news is, most attorneys in this area and almost all Saint Louis car accident lawyers charge about the same rate. It’s contingent on recovery, which means you pay at the end of your case. The question you have to ask yourself is, “Do I want to collect a percentage of a good recovery, or a percentage of a not so good recovery that I got from using an inexperienced or unqualified lawyer?”. After your car crash, you wouldn’t think twice about going home to set your own broken arm or stitch your own wounds. That’s because you only get one opportunity to heal after your injury. And it’s the same when you hire a Saint Louis car accident lawyer. Some folks are tempted to handle these cases on their own, but that’s one of the biggest mistakes you can make for you and your family. Look, the insurance company has professionals on their side, they do this day in and day out, and they know how to keep from paying you money. And you need someone on your side who knows how the system works, to work just as hard to get you the damages that you need to recover. When you’ve been hurt and the bills are racking up, you don’t have to pay an lawyer out of pocket to represent you in your injury case. Call my office, and if we can help you we won’t charge you anything until the end of your case if we’re successful for you. Call 314-A-LAWYER today for a free consultation.

By: Spencer Farris

Insurance companies do a good job of making us feel guilty for hiring a Missouri personal injury lawyer. When you get your statement each month you read about frauds. And whether those stories are true or not in the back of your mind you think, I don’t want to be like that. The first word that most folks say when they call my office is, “I’ve never sued anyone before. Or I’m not the kind of person that sues.” You’ve already figured in the back of your mind that every lawsuit is fake even before you get hurt. And you know your case is real. And you know your injuries are real. You should always know that the insurance company is going to try to underpay those cases and those claims if you don’t have a Missouri personal injury lawyer fighting for you on your side. When you’ve been hurt and the bills are racking up, you don’t have to pay a lawyer out of pocket to represent you in your injury case. Call my office. And if we can help you we won’t charge you anything until the end of your case if we’re successful for you. Call 314-A-LAWYER today for free consultation.

By: Spencer Farris

When you’ve been hurt and the bills are piling up, the big question on your mind is: What is my case worth?  Injury Law News brought to you by the S.E. Farris Law Firm. I’m Spencer Farris, a St. Louis injury lawyer at the S.E. Farris Law Firm. The value of your case depends on a lot of factors. Let’s talk about those for a minute.  The facts of your case matter. What happened? Was it a injury that went away after a couple of days, or did you need surgery?   Where did it happen, in a conservative venue, or one where jurors understand that pain and suffering have a value?   How did it happen? There’s a difference to the value of your case if Grandma hit you on the way to bingo versus a corporation in a large truck with a drunk driver. The combination of these factors go into the mix and help determine what your case is worth, what a jury – and therefore a claims adjuster – would assign as the value of your claim.   Choosing the right St. Louis injury attorney matters. The insurance company knows what lawyers have the experience and the credentials necessary to prepare your case to present it to a jury, and that goes into their valuation of your claim.  If you have more questions about the value of your case, please contact my law firm at the phone number or the website address on your screen. We’re happy to talk with you without any cost or obligation about your case.  The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris

Wrongful Death Act Compensation

If you’ve lost a loved one, and it’s someone else’s fault, the Missouri Wrongful Death Law can help you. Injury law news, brought to you by the S.E. Farris Law Firm. I’m Spencer Farris, a personal injury trial attorney in Saint Louis, Missouri, and partner at the S.E. Farris Law Firm. When you’ve lost a loved one and someone else is responsible, you have a lot of concerns and a lot of things on your mind. While you’re sorting through those and the grief, remember that the Missouri Wrongful Death Act can help hold the other person responsible for the damages they’ve caused to your family.

While you’re sorting through your grief and the personal matters that go with the death of a loved one, the Missouri Wrongful Death Act is ticking away. You have three years after the death of a loved one to file a lawsuit. In Missouri the lawsuit does not belong to the dead person’s estate, it belongs to his survivors. Whether they be spouses, siblings, parents or children, the law gives different rights to different classes of people, and you should find out where you fall and whether or not you have the right to pursue a wrongful death case for the loss of a loved one.

You can never replace a loved one, and we all know that. In fact, the Missouri Wrongful Death Law doesn’t cover your grief or sorrow for the loss and the death that your family has suffered. It tries to replace the loss of income that that person provided, the loss of support, education, comfort. The kinds of services that you would’ve gotten from your loved one, but for their wrongful death. If a member of your family has been killed and it’s someone else’s fault, you owe it to yourself and your family to contact an attorney. Call my office at the number at the bottom of the screen, or contact us at our website. I’m happy to visit with you about your case without any cost or obligation. And if we can’t help you, we’ll try to point you in the right direction. The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris

I talked to a man yesterday who had dropped his case because he didn’t think he could afford a lawyer. Let me tell you what I told him. Injury Law News. Brought to you by The S.E. Farris Law Firm. I’m Spencer Farris, a partner at The S.E. Farris Law Firm. Folks don’t plan to get hurt at work or anywhere else. Therefore they don’t set aside money for attorney fees. Then when something bad happens, they think, “I can’t afford an attorney.” But you can and here’s how. Most qualified injury attorneys in Missouri work on what’s called a contingent fee, which means the lawyer doesn’t get paid until the end of your case if they’re successful for you. The lawyer pays the expenses of litigation as you go. Again, they don’t get their money back unless they’ve been successful for you. It’s important then to hire an attorney. Studies show that folks with lawyers get four to five times more money than those without. Insurance companies know it too. That’s why they’ll offer you a quick settlement before you have a chance to talk to a lawyer. At my law firm, you don’t pay until the end of your case, and then only if you’re successful. Another way that that’s important for you is it means you can hire an experienced, qualified lawyer to handle your case for the same percentage as someone without that experience. The difference is when you hire a good lawyer, a qualified lawyer; you get more money. If you want to talk about your case and decide if my firm is the best one to handle your case, call us at the number below, or visit us on our website which you see below. Thanks for listening. The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris

It’s too late, once you’ve been in a wreck, to think about insurance coverage.

Injury Law News, brought to you by the S.E. Farris Law Firm.

I’m Spencer Farris, an attorney with the S.E. Farris Law Firm, in St. Louis, Missouri. You buy automobile insurance and hope you never have to use it. But there are kinds of insurance that will help you quite a bit if you’re in a wreck. Let’s talk about those for a minute. In order to drive a car in Missouri, two types of insurance are mandatory: liability coverage, to take care of the harms you cause to other folks – and uninsured motorist coverage, in case someone hurts you, who doesn’t follow the law. Liability coverage protects you if you hurt someone else while you’re driving. It’ll also provide you with legal services in case you get sued. Although Missouri requires all drivers to have liability insurance, not all drivers follow the law. That’s why uninsured motorist coverage is also mandatory in Missouri.

Uninsured motorist coverage means that the person who hit you, who harmed you because of their negligent driving, has now coverage to cover your injuries. Besides the mandatory required coverages in Missouri, there are some other insurance coverages that will assist you if you’re ever hurt in a car crash, and it’s someone else’s fault. We’re not going to talk about property coverage today – just coverages for occupants, people, in the vehicles. The first of those is underinsured motorist coverage. Underinsured motorist coverage means that the person who harmed you doesn’t have enough insurance to cover all of your losses. If you’re seriously injured in a car crash, and the person who hurt you only has the minimum coverage required in Missouri – which right now is $25,000 – underinsured motorist coverage would help bridge the gap, between what they had and what you suffered, to help put you back where you were before you got hurt.

Even though you may have health insurance, medical payments coverage is another coverage that is available to you, to help defray some of the losses you have when you get hurt in a car crash. You can use medical payments coverage, even if you have health insurance, to help cover your deductibles and the other out-of-pocket medical expenses that you will have. Just because you have health insurance coverage doesn’t mean you can’t collect your medical payments. And it’s not cheating. It’s like having two life insurance policies. If you’ve paid for extra coverage, you get to collect when you have to. And if you’re hurt in a car crash, there’s not enough money for what you’re going through. You need to collect everything that’s available to you. In my office, and with most qualified injury attorneys in Missouri, there’s no fee for helping you collect your medical payments coverage. When you’re injured and go to the hospital or doctor, you want to make sure that, if you have health insurance, you present your health insurance information, and demand that the doctor or hospital bill your health insurance company.

Contracts with major providers, like Blue Cross Blue Shield, etc., will require that the doctor and hospital accept health insurance for payment. If you don’t do that, the health care provider is going to want to take money from your settlement. And there’s not going to be enough money, at the end of a settlement for an injury, for what you’ve suffered – the pain and the discomfort. It’s important to have a lawyer help maximize that coverage. And one way that my law firm does that is by making sure that health care providers bill health insurance. Medicare and Medicaid are the same thing as health insurance plans, and make sure that doctors and hospitals bill them. Don’t worry about repayments to Medicare, Medicaid, and other insurance plans. A qualified lawyer will take care of that, and try to minimize those repayments, so that more money goes to the injured victim.

Call the S.E. Farris Law Firm if you have any questions about insurance coverage. We’re happy to talk with you without a charge. The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris

You’ve been hurt, and you’re thinking that maybe you can handle your case without a personal injury attorney. Let me tell you some things you should look out for. Injury Law News, brought to you by the S.E. Farris Law Firm. I’m Spencer Farris-a partner at the S.E. Farris Law Firm. Folks call me all the time and wonder if they even need to have a personal injury attorney represent them in their claim. Maybe not. And I tell folks daily how to handle their own cases. But there are some things you need to be aware of. First and most important is the Statute of Limitations. Every case has a time limit, and it must be filed within the time limit or you forever lost your case. The law changes, and the law of medical bills and damages has changed in the last several years. You need to know what that is in order to present your case to a jury. Your health insurance is going to want to be reimbursed for the medical bills that they’ve paid for on your behalf. They may not be entitled to reimbursement. Whether or not they are is a question that you need to find the answer to. The insurance company has professionals looking out to investigate your case and try to find a way to pay you as little money as possible. Some folks are able to deal with the insurance company and able to handle their own cases. Most are not. In fact, studies show that people with an attorney get four to five times more money on their injury case than those without. You may have questions about handling your own personal injury case. Call my office and I’m happy to visit with you without cost or obligation. I tell folks everyday that they don’t need an attorney to handle their case, and point them in the right direction, and I’m happy to do that for you. Thank you for watching. The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris

What Happens When Your Bitten by a Dog?

Hi, I’m Josh Myers, attorney at Schultz & Myers. We’re a personal injury law firm here in St. Louis, Missouri. Today I want to answer a question we get a lot, which is what happens if you’re bitten by a dog?

The One Bite Rule

A lot of people come in, and they ask us about this “one bite rule” or what they’ve heard of before called a “one bite rule” , and in Missouri, there’s no such thing. It used to be the law in Missouri that we had to show the dog had some kind of dangerous propensities, or meaning a past history of aggression. Several years back, the law was completely rewritten, so now it is a case of what’s called strict liability.

Basically this means if you were bitten on public property, or if you’re on private property and as long as you were there lawfully, the owner of the dog is completely liable for the damages you suffered.

Dog Bite Case Process

So it’s pretty simple these days. If you’re bitten by someone else’s dog, they’re responsible for that. Of course the real key comes in determining how much money it takes to make up for the harms and the damages that you suffered, and that’s where our expertise comes in.

So I hope this helped answer some questions. If you’ve ever been bitten by a dog, and you’re looking for a personal injury lawyer, I certainly hope that you’ll give us a call and at least let us talk to you about your case. Our phone number’s easy to remember. Just remember the fours: (314) 444-4444.

By: Josh Myers

I got a call from a lady the other day who wanted to know how her medical bills were going to be paid after her injury.

Injury Law News brought to you by the S.E. Farris Law Firm.

I’m Spencer Farris and I represent injury victims in the state of Missouri. I get that kind of call a lot from folks who are worried about their rising medical bills and the daily mail that they get with another bill collector looking for payment. And this is what I typically tell them.

Medicare

Senior citizens and folks on social security disability are covered by Medicare and Medicare will pay the medical bills as they are incurred. However, Medicare gets part of their money back from your injury case at the end. Your lawyer will have to negotiate that for you because Medicare will want dollar for dollar on what they spend.

Medicaid

Children in Missouri who don’t have private health insurance, and some adults, are covered by Missouri Medicaid. And Medicaid also will pay Medical bills and, at the end of your lawsuit, they will expect to be repaid. However, a judge can reduce or totally eliminate your payback to Medicaid. You’ll need your lawyer to help you with that.

Private Insurance

The other group that frequently pays medical bills in Missouri is private insurance and private insurance will ask for repayment almost always. Unless they are a special plan, a self-funded union plan or something along those lines that is governed by federal law, they’re not entitled to reimbursement. The word that they will say is subrogation, which means they stand in your shoes and get to collect their money back from the person who hurt you. Make sure that your lawyer is well aware and willing to fight for you so that you don’t have to pay back the health insurance. And this isn’t cheating. You paid benefits to get the health insurance. You wrote a check every month. They shouldn’t get their money back just because they did what they promised to do.

No Insurance

Finally, there are a lot of folks that don’t have any health insurance. And in those situations, hospitals and doctors will treat you on what’s called a lien basis. Hospitals don’t have to see you unless you’re in an emergency. But, experienced trial lawyers can help you find a doctor who will treat you on a lien basis and will make sure that your doctor understands that they will get paid.

When you’ve been hurt, the most important thing is to feel better and not be worried about how you’re going to pay for your medical bills. Remember that a trial lawyer who cares about his clients will fight for you and fight to put money in your pocket, rather than spend it all on the health care that you wouldn’t have needed but for your injury. If you have questions about medical care or how to pay for it after an injury, call my office or reach us at the website at the bottom of the screen. I’m happy to visit with you without any cost or obligation and hopefully help put your mind at rest.

The S.E. Farris Law Firm is dedicated to the needs of injury victims and their families.

By: Spencer Farris