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Handling your Personal Injury Claim and Lawsuit in St Louis, Missouri
There are three possible ways to handle a personal injury case. You can handle it yourself and deal directly with the insurance company, you can hire an attorney to negotiate a personal injury settlement with the insurance company, or you can hire a law firm and to go ahead with a personal injury lawsuit.
Our firm has earned an A.V. Peer Review Rating from Martindale-Hubbell, which is the highest rating a law firm can achieve and shows that Kruse, Reinker & Hamilton
"has reached the height of professional excellence, skill and integrity". To speak with a qualified attorney who can evaluate your case free of charge and offer information and guidance about your personal injury in Saint Louis, contact St. Louis Injury Lawyer Edward Kruse.
Legal Rights Through the Insurance Claim Process
Those who have suffered damages in a personal injury incident have a number of legal rights and protections throughout the insurance claims process. After determining the damages and the degree of fault belonging to the involved parties, the insurance company will accept or deny any or all parts of insurance claims.
Settlements that are Negotiated out of the Court System
Most personal injury settlements are negotiated out of the court system and often involve dealing with the defendant's insurance company. In personal injury settlements, the defendant's insurance company will attempt to offer the lowest feasible compensation for your suffering; therefore it is important in many cases to seek the counsel of a personal injury attorney who can protect and maximize your interests.
Dealing with Insurance Companies for Personal Injuries
When working with an insurance company on a personal injury claim, if you don't know how to estimate what amount of money to ask for, the insurance company's claims adjuster may offer you settlements that are too low for your needs. There are many factors that go into the determination of what is fair compensation for a person’s injuries. Some of the factors that are used to determine a fair settlement amount hinge on knowing the insurance company's liability limits, other sources of insurance, and the insurance company's usual settlement amounts. Others include the nature and extent of the injury, permanency of the injury, the amount of pain and suffering, the amount of the medical bills, other medical expenses, out of pocket expenses for obtaining medical treatment, lost wages, future lost wages or earning potential and a spouse’s loss of consortium or companionship.
If you choose to deal with an insurance company directly about your personal injury claim, learn all you can ahead of time about your type of injury and keep good documentation about what happened. It is likely that the insurance company will only offer to reimburse you for your medical bills if you do not hire a lawyer to represent you.
Because insurance company claims adjusters have their own legal representation, you should level the playing field by getting help from an experienced law firm such as Kruse, Reinker & Hamilton.
Trial
Sometimes settlements offered by an insurance company are not adequate; in this case, you can take the case to the courts in a lawsuit. Personal injury verdicts are determined by the documentation (evidence about the injury), statements, and knowledge of the costs and damages associated with injuries, permanent disabilities and possible loss of future income.
Another factor is the overall experience and negotiating skill of the person handling the lawsuits. Kruse, Reinker & Hamilton lawyers have the solid credentials to provide excellent representation on any personal injury case to get you the maximum settlement or verdict possible so that you can get on with your life.
There are several other aspects to handling a personal injury claim that a non-lawyer probably does not know about. We deal directly with the insurance company or their lawyers regarding your claim. For an individual representing themselves this can be very cumbersome and difficult to deal with. If you hire us we will obtain copies of all of your medical records and bills lost wage information, possible future lost wage documentation from experts as well as other things to submit to the insurance for payment.
We assist you in administering your medical treatment and dealing with the medical providers regarding your treatment. Some examples are:
1. Helping to make sure you get the right treatment for your injuries.
2. Helping you find specialists for the various types of treatment you may need.
3. Helping you make sure all the medical bills and costs are recovered from the insurance company AND paid.
4. Negotiating the final amounts due and owing for any medical bills at the conclusion of your treatment. We can save you a significant amount of money by doing this for you.
At the conclusion of your treatment we will evaluate your case to see if any further treatment may benefit your recovery. We will also arrange for any other additional medical exams to support our claim for damages against the insurance company. If permanent disability injuries are involved in your case, further experts will be consulted to verify and document any permanent disabilities. These are all things that will significantly increase the value of your claim with the insurance company
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The information on this St. Louis Personal Injury & Workers Compensation Attorneys / Law Firm website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.
The choice of a lawyer is an important decision and should not be based solely on advertisements. Neither the Supreme Court of Missouri nor The Missouri Bar reviews or approves certifying organizations or specialists designations. Past results afford no guarantee of future results and every case is different and judged on its own merits. All case results listed on this website were obtained by Edward Kruse in cases in which he was lead or co-counsel.
Firm Headquarters: 2016 S. Big Bend Blvd.
Phone: 314-333-4144
