Aggressive drivers are responsible for many of the deadly accidents on American roads. If you have lost a loved one due to the actions of an aggressive driver, contact our firm to learn about your legal rights and options.
Columbia, Missouri, Personal Injury and Car Accident Lawyers
If you have been seriously injured in an automobile accident or if you have lost a loved one in a car crash as a result of someone else's negligence, then you should consider consulting an experienced attorney about your options for compensation. Insurance companies have a vested interest in keeping costs low, and without strong representation you may not have the resources you and your family need to pursue full and fair compensation.
Our attorneys at Holder Susan Slusher Oxenhandler provide strong, knowledgeable and client focused personal injury representation to families and individuals. We understand the burden that a serious accident can inflict on a family, and we will help you recover the compensation your family needs to move forward while holding the right people responsible.
Know your rights, and understand your options when you or a loved one has suffered in a serious motor vehicle accident.
Contact us today to schedule a free initial consultation and case review.
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A car accident can lead to serious, life changing injury or even wrongful death, and the results can impact families for years to come on an emotional, physical and financial level. Our attorneys will review your case and help you understand how a personal injury claim can hold people accountable for the damage they cause.
Contact us at the office of Holder Susan Slusher Oxenhandler in Columbia, Missouri, today for a free initial consultation and case review.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Contact Holder Susan Slusher Oxenhandler in Columbia,to schedule a consultation with a personal injury attorney to discuss how Missouri views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits to the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver's insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Contact a Personal Injury Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with a personal injury lawyer from Holder Susan Slusher Oxenhandler in Columbia, Missouri, will help to clear up the confusion these systems can cause.
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