Missouri Personal Injury Laws

What Types of Auto Insurance Influence My Personal Injury Case | Missouri

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

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

What is Product Liability | Missouri

Spencer Farris

 

Products liability is the part of the law that deals with defective or dangerous products. As a Missouri products liability attorney, I’ve been involved in cases where a product was misused and the manufacturer knew that it would be misused in that manner. The one that comes to mind was a baby seat case where a grandpa had strapped a baby into the car, didn’t get the seatbelt routed right, and there was a crash and the baby had a horrible, horrible brain injury because of that. We were able to hold the car seat manufacturer accountable because they knew that folks misused the product in this way and they didn’t design around it.

 It’s coming to light now that General Motors did exactly what Ford did back in the 70s and choose dollars over human lives with their Chevy Cobalt. As a Missouri product liability attorney, we understand that it takes a lot of work from the legal aspect from getting engineers involved and kind of doing reverse forensic sciences to figure out what was wrong with the product. Although, in the GM case, frankly they knew what was wrong and they made a decision to choose dollars over human lives. It’ll take a lot of attorneys to hold them accountable for what they did and for all the lives that they destroyed. There was a problem with the ignition switch that caused the airbag to fail. The airbag that’s designed to protect folks was failing and the cost of the part to fix it was under $1. GM’s first choice was to tell folks don’t hang heavy keys on your keychain. That will keep this from malfunctioning. They’d known for years before they finally did a recall, but they decided that the lives that they would have to pay for cost less than the cars they would have to fix. 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 a free consultation.

By: Spencer Farris

Products liability is the part of the law that deals with defective or dangerous products. As a Missouri products liability attorney, I’ve been involved in cases where a product was misused and the manufacturer knew that it would be misused in that manner. The one that comes to mind was a baby seat case where a grandpa had strapped a baby into the car, didn’t get the seatbelt routed right, and there was a crash and the baby had a horrible, horrible brain injury because of that. We were able to hold the car seat manufacturer accountable because they knew that folks misused the product in this way and they didn’t design around it.

 It’s coming to light now that General Motors did exactly what Ford did back in the 70s and choose dollars over human lives with their Chevy Cobalt. As a Missouri product liability attorney, we understand that it takes a lot of work from the legal aspect from getting engineers involved and kind of doing reverse forensic sciences to figure out what was wrong with the product. Although, in the GM case, frankly they knew what was wrong and they made a decision to choose dollars over human lives. It’ll take a lot of attorneys to hold them accountable for what they did and for all the lives that they destroyed. There was a problem with the ignition switch that caused the airbag to fail. The airbag that’s designed to protect folks was failing and the cost of the part to fix it was under $1. GM’s first choice was to tell folks don’t hang heavy keys on your keychain. That will keep this from malfunctioning. They’d known for years before they finally did a recall, but they decided that the lives that they would have to pay for cost less than the cars they would have to fix. 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 a free consultation.

By: Spencer Farris

Nursing Home Abuse Lawyer | St. Louis Personal Injury

Spencer Farris

 

When you take the folks that have raised you and put them in a nursing home, you feel guilt. You feel more guilt if something bad happens to them while they’re there, and you want to hire a Missouri nursing home abuse lawyer for cases dealing with decubitus ulcers, unnecessary and unexplained falls, problems with nutrition and hydration. If your grandmother or father are not getting enough food and water, after a certain age, this causes all of their health to start to trickle and go downhill.

Hire a Nursing Home Abuse Lawyer

What could be a simple thing to fix if you hire a Missouri nursing home abuse lawyer early, can ultimately result in the untimely and early death of your loved one. One of the things that my firm has been active in for most of my time as a lawyer is in helping make sure that the legislators understand that the laws that they write affect folks for years in the future. If you don’t hire a Missouri nursing home abuse lawyer when something bad has happened to your loved one, you think, I don’t want to be the kind of person that sues. What you’re not thinking is by hiring the right lawyer, you may prevent this from happening to another family. 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 a free consultation.

By: Spencer Farris

When you take the folks that have raised you and put them in a nursing home, you feel guilt. You feel more guilt if something bad happens to them while they’re there, and you want to hire a Missouri nursing home abuse lawyer for cases dealing with decubitus ulcers, unnecessary and unexplained falls, problems with nutrition and hydration. If your grandmother or father are not getting enough food and water, after a certain age, this causes all of their health to start to trickle and go downhill.

Hire a Nursing Home Abuse Lawyer

What could be a simple thing to fix if you hire a Missouri nursing home abuse lawyer early, can ultimately result in the untimely and early death of your loved one. One of the things that my firm has been active in for most of my time as a lawyer is in helping make sure that the legislators understand that the laws that they write affect folks for years in the future. If you don’t hire a Missouri nursing home abuse lawyer when something bad has happened to your loved one, you think, I don’t want to be the kind of person that sues. What you’re not thinking is by hiring the right lawyer, you may prevent this from happening to another family. 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 a free consultation.

By: Spencer Farris

Wrongful Death Act | St. Louis Personal Injury

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

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

Trusting Your Lawyer | St. Louis Personal Injury

Spencer Farris

 

When you hire a Missouri personal injury lawyer, the first thing that that person should do if they’re worth your trust is to listen to your story and get an understanding of who you are, who you were before you got hurt, and who you are now, and understand the changes in your life due to these injuries. That lawyer then does a lot of things that you’ll never see – talks to witnesses, gathers evidence, gets your medical records and your statements so he can present a convincing case to the insurance company. And hopefully, if he’s got a good reputation and if he’s done his job in collecting information about your case, you’ll never see the inside of a courtroom. But if not, you need a Missouri personal injury lawyer who’s willing to go to court and fight for you in trial. 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 a free consultation.

By: Spencer Farris

When you hire a Missouri personal injury lawyer, the first thing that that person should do if they’re worth your trust is to listen to your story and get an understanding of who you are, who you were before you got hurt, and who you are now, and understand the changes in your life due to these injuries. That lawyer then does a lot of things that you’ll never see – talks to witnesses, gathers evidence, gets your medical records and your statements so he can present a convincing case to the insurance company. And hopefully, if he’s got a good reputation and if he’s done his job in collecting information about your case, you’ll never see the inside of a courtroom. But if not, you need a Missouri personal injury lawyer who’s willing to go to court and fight for you in trial. 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 a free consultation.

By: Spencer Farris

Important Personal Injury Terminology | Missouri

Spencer Farris

 

Board Certified

Board certified means that after a certain number of years and a certain number of cases I’m able to take a written test and provide verification that I’ve practiced properly. Then each year I have to recertify, prove that I have my practice insurance, that I complete my continuing legal education hours, that I don’t have any complaints – bar complaints against me.

Deposition

A deposition is a recorded statement that you give with a court reporter for use under the rules of evidence in court.

Discovery

Discovery is just like -what it sounds like. You discover what’s going on in a case. You learn facts.

Interrogatory

An interrogatory is like a deposition, but it’s in written format and you answer your questions under oath.

Malpractice

Malpractice is when a professional breaches the standard of care. Not that they have to be perfect, but that they have to be reasonable in their actions.

Workers Compensation

Worker’s compensation means that you were hurt on the job. Your employer’s liable for your medical, a portion of your wages while you’re off work, and a lump sum for the disability that you have after medicine’s done the best it can do.

By: Spencer Farris

Board Certified

Board certified means that after a certain number of years and a certain number of cases I’m able to take a written test and provide verification that I’ve practiced properly. Then each year I have to recertify, prove that I have my practice insurance, that I complete my continuing legal education hours, that I don’t have any complaints – bar complaints against me.

Deposition

A deposition is a recorded statement that you give with a court reporter for use under the rules of evidence in court.

Discovery

Discovery is just like -what it sounds like. You discover what’s going on in a case. You learn facts.

Interrogatory

An interrogatory is like a deposition, but it’s in written format and you answer your questions under oath.

Malpractice

Malpractice is when a professional breaches the standard of care. Not that they have to be perfect, but that they have to be reasonable in their actions.

Workers Compensation

Worker’s compensation means that you were hurt on the job. Your employer’s liable for your medical, a portion of your wages while you’re off work, and a lump sum for the disability that you have after medicine’s done the best it can do.

By: Spencer Farris

I Need to Recover My Damages | Missouri

Spencer Farris

 

When you’ve been hurt whether it’s in a car or because you’ve gotten injured on someone’s property at that moment a Missouri personal injury lawyer is important to you and the Missouri law is important to you. But up until that time you weren’t even aware it existed and you’re always in the cross hairs in our state legislature. There hasn’t been a year gone by since the 22 years that I’ve been practicing that the Missouri legislature hasn’t had injury victims in it’s cross hairs. They want to get at the lawyers, but they do it by walking over folks like you, that have been hurt.

Unfortunately you don’t know your rights have been infringed upon, you don’t that you’ve been within the cross hairs of the legislature until you get hurt. But because of that you don’t know all the things you need to do to handle your case once you’ve been hurt and how the law has developed over the last several hundred years. And you need a Missouri personal injury lawyer to help guide you down the path and make sure that you don’t get taken advantage of by the insurance company for the folks that hurt you.  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 a free consultation.

By: Spencer Farris

When you’ve been hurt whether it’s in a car or because you’ve gotten injured on someone’s property at that moment a Missouri personal injury lawyer is important to you and the Missouri law is important to you. But up until that time you weren’t even aware it existed and you’re always in the cross hairs in our state legislature. There hasn’t been a year gone by since the 22 years that I’ve been practicing that the Missouri legislature hasn’t had injury victims in it’s cross hairs. They want to get at the lawyers, but they do it by walking over folks like you, that have been hurt.

Unfortunately you don’t know your rights have been infringed upon, you don’t that you’ve been within the cross hairs of the legislature until you get hurt. But because of that you don’t know all the things you need to do to handle your case once you’ve been hurt and how the law has developed over the last several hundred years. And you need a Missouri personal injury lawyer to help guide you down the path and make sure that you don’t get taken advantage of by the insurance company for the folks that hurt you.  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 a free consultation.

By: Spencer Farris

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