St. Louis Car Accident Lawyers | Finney Injury Law

We provide more than legal representation. We are advocates who understand what you are going through and know how to protect your interests. Our St. Louis personal injury lawyers have helped countless car accident victims secure the compensation they need to rebuild their lives.

When insurance companies refuse to make fair settlement offers, you need attorneys who are trial-tested and proven. We approach every case that way, because it's how we consistently obtain better results.

Understanding Missouri and Illinois car accident laws.

The laws governing your case depend on which state the accident occurred in. The two states have meaningfully different rules, and those differences affect both how much compensation you can recover and how long you have to file.

Missouri, Pure Comparative

Missouri uses a pure comparative fault system. You can recover damages even if you were partially at fault for the accident. However, your compensation may be reduced by your percentage of fault. Missouri also sets a filing deadline for car accident claims, so it's important not to wait too long to get advice.

Illinois, Modified Comparative

Illinois follows a modified comparative negligence system. If it is proven that you were more than 50% at fault for the incident, you are not eligible to recover any compensation. Illinois also sets its own filing deadline for accident-related personal injury claims, which is shorter than Missouri's.

If you were injured in a crash that crossed state lines or involves drivers from both states, the analysis becomes more complex, and the differences in fault rules and filing deadlines become more important. The right time to talk to an attorney is before either deadline starts working against you.

How we protect your rights.

After a collision, insurance companies often contact victims quickly, hoping to settle claims before the full extent of injuries and damages becomes clear. Our skilled trial lawyers help level the playing field.

01

Investigate the accident thoroughly.

We gather police reports, witness statements, surveillance footage, and other evidence to build a strong case. The first 48 hours often determine what evidence will exist by the time the case is tried.

02

Document all damages.

This includes current and future medical expenses, lost wages, property damage, and pain and suffering. The number we present is the number the case is worth, not the number the insurance company wants to settle for.

03

Handle all insurance communications.

We deal with adjusters on your behalf, protecting you from tactics designed to minimize your claim. You should not have to navigate adjuster phone calls while you are recovering from injuries.

04

Trial-tested and proven.

While many cases settle, we bring a trial-tested and proven team to every one of them. That posture is what creates the leverage for fair settlements. Insurance companies offer more when they know the alternative is a real trial.

Common car accident injuries we handle.

We represent clients across Missouri and Illinois who have suffered crash-related injuries including, but not limited to:

Brain Injuries

From mild concussions to severe traumatic brain injuries requiring long-term care.

Spinal Cord Injuries

Including herniated discs, paralysis, and other life-altering conditions.

Broken Bones

Particularly common in high-impact collisions and often requiring extensive rehabilitation.

Soft Tissue Injuries

Such as whiplash, which can cause chronic pain and limited mobility long after the visible injuries have healed.

We also account for the mental and emotional toll that a serious car accident has on you, your family, and your way of life.

What full compensation looks like.

You should not have to settle for less than you deserve. We pursue full and fair compensation for all losses stemming from your collision, economic and non-economic.

Medical expenses

The full spectrum of health care needs triggered by your accident. Emergency services like ambulance transport and ER care are just the beginning. We pursue compensation for hospital stays, surgical procedures, expert visits, prescription medications, and physical therapy. If your injuries require ongoing care, we also factor in future medical costs, follow-up procedures, mobility aids, and long-term rehabilitation. Even seemingly minor costs like co-pays and medical transportation add up and should be included in your claim.

Lost income and benefits

Your accident may force you to miss work during recovery, using up sick leave and vacation time. Beyond immediate lost wages, we assess how your injuries affect your long-term earning potential. If you can't return to your previous job or need to reduce your hours, we calculate the difference in earnings over your expected career, including lost bonuses, promotions, retirement contributions, and other employment benefits you would have earned.

Property damage

Vehicle repair or replacement costs are obvious. We also pursue compensation for personal items damaged in the crash, cell phones, laptops, medical devices, child car seats, and other valuable items. We work to ensure you receive fair market value for totaled vehicles and proper repairs that restore your car to its pre-accident condition.

Pain and suffering

These non-economic damages acknowledge the physical and emotional toll of your accident. Physical pain from injuries, emotional trauma, anxiety about driving, depression, sleep problems, and PTSD symptoms are all compensable. We document how your injuries limit your daily activities and prevent you from enjoying hobbies, family time, and social relationships.

Loss of consortium

Serious injuries affect entire families. Your spouse may be entitled to compensation for changes in your marital relationship, loss of companionship, affection, and support. This also covers their increased responsibilities in caring for you and managing household duties during your recovery.

Why insurance companies undervalue car accident claims.

When insurance companies calculate settlement offers, they often focus solely on immediate medical bills and property damage. They use software to assign initial values, look for facts that justify lower offers, and apply pressure to settle quickly before you have full medical information or counsel.

Our trial experience allows us to effectively demonstrate the full extent of damages to insurance companies and juries. We work with medical experts, economists, and life care planners to document the full impact of your injuries and build strong evidence supporting maximum compensation.

The starting offer on a serious case is rarely the best offer. The full value of the case depends on what the case looks like with proper documentation, expert testimony, and trial-grade preparation, not on what the adjuster suggests in the first phone call.

Related Practice Areas
Truck Accidents → Brain & Spine Injury → Wrongful Death →

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