When injured as a passenger in a Missouri auto collision, taking prompt action can help secure the compensation you deserve. Here are the essential steps to protect your rights and maximize your recovery.

Seek Immediate Medical Care

Seek medical attention immediately, even if you feel fine initially. A medical examination may reveal hidden injuries, and documenting your condition immediately after the crash helps establish a clear link between the accident and your injuries. Follow all treatment recommendations and keep copies of your medical records to prevent insurance companies from claiming you failed to mitigate damages.

Report and Document the Accident

Ensure someone reports the crash to law enforcement. You then need to obtain a copy of the police report. If safely possible, gather evidence at the scene. Take photos or videos. Collect insurance information from all drivers. Make sure to get contact details from eyewitnesses.

Identify Liable Parties

Determine who caused the accident by reviewing the facts and evidence. If you’re injured as a passenger, there are many potentially liable parties. These include the driver of your vehicle, other motorists, vehicle manufacturers (if defects contributed to the crash), and employers if a driver was working at the time the accident occurred.

File Insurance and Personal Injury Claims

Submit insurance claims against the at-fault driver’s policy. However, if you live with the driver who caused the accident, their auto policy may exclude household members from liability coverage, making it essential to consult an experienced auto accident lawyer.

You may also pursue a personal injury claim to recover compensation. Compensable items include medical expenses, rehabilitation costs, lost wages, and future earning capacity. You may also be compensated for pain and suffering, emotional distress, and reduced quality of life.

Missouri’s statute of limitations gives you five years from the accident date to file a lawsuit. If you’ve been injured as a passenger, given the complexity of these claims and potential insurance exclusions, consulting with a Missouri auto accident attorney can help ensure you understand all available options for seeking compensation.