Mid-America Injury Law represents accident victims in
Chesterfield and throughout St Louis County.
You pay nothing unless we win your case.
Clarkson Road, Olive Boulevard, and Interstate 64 through West County are among the busiest corridors in the St. Louis metro. Car accidents on these roads happen every day, and most victims are contacted by the other driver's insurer within hours. Under 2 minutes · Confidential · No obligation What type of accident were you in? Tap to select — we'll move you right along How would you describe your injuries? This helps us prioritise your case Tell us what happened Plain language is fine — no legal terms needed Almost done — how do we reach you? We'll be in touch within 1 hour during business hours
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Personal injury lawyer
serving Chesterfield, MO
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Car accident lawyer serving Chesterfield and St. Louis County
If another driver caused your accident, Missouri law entitles you to full compensation for your injuries, your lost income, and the impact on your life. The challenge is that the other driver’s insurance company is working right now to pay you as little as possible. Mid-America Injury Law works to make sure that does not happen.
How Missouri law handles your car accident claim
Missouri is an at-fault state. The driver who caused the crash is responsible for the damages. Under Missouri’s pure comparative fault rule, you can recover compensation even if you played some role in the accident. Your award is reduced by your percentage of fault, not eliminated. A driver who was 10 percent at fault in a $200,000 case still recovers $180,000. Insurance adjusters routinely try to inflate your fault percentage to reduce what they pay out. An attorney prevents that.
The deadline to file a car accident lawsuit in Missouri is five years from the date of the crash under RSMo 516.120. That deadline sounds comfortable. The practical deadline for preserving evidence is not. Traffic camera footage is typically overwritten within 30 to 90 days. Skid marks fade. Witnesses forget details. The earlier you contact us, the more complete the picture we can build.
What to do immediately after a car accident in Missouri
Call 911 and get a police report filed. Even if the other driver wants to handle it privately, a police report creates an official record of what happened and who was involved. While waiting for police, photograph the vehicles, the road, any skid marks, traffic signals, and your visible injuries. Get the names and contact numbers of any witnesses. Do not apologise or admit any fault at the scene, even casually.
See a doctor the same day or the next morning, even if you feel you are not seriously injured. Adrenaline genuinely masks pain in the hours after a crash. Whiplash, herniated discs, and traumatic brain injuries often have delayed symptoms. A gap between the accident and your first medical visit is one of the first things an insurance adjuster will use to minimise your claim.
Do not give a recorded statement to the other driver’s insurer. They will ask you to. They may say it is routine or required. It is not required and it is not in your interest. Call us before you say anything to them.
What compensation you can recover from a car accident in Missouri
A successful car accident claim covers your medical bills from the accident to the present, your projected future medical costs if treatment is ongoing, the income you lost while you were unable to work, and your reduced earning capacity if the injuries are permanent. It also covers non-economic damages including pain and suffering, emotional distress, and loss of enjoyment of life. In cases involving drunk drivers or extreme recklessness, Missouri courts can award punitive damages on top of all of the above.
Why the first settlement offer is almost never the right number
Insurance companies make early settlement offers for a reason. They want to close your file before you fully understand the long-term cost of your injuries. Before you know whether you need surgery. Before your doctor has determined whether your injuries are permanent. Once you accept and sign a release, you cannot reopen the claim. We review the full picture first, including future medical needs, before we advise you on any offer.
Car accident cases we handle in the Chesterfield area
Rear-end collisions, T-bone accidents at intersections, head-on crashes, sideswipe accidents, accidents caused by distracted or drunk drivers, hit-and-run cases, and accidents involving uninsured or underinsured motorists. If the accident happened on Clarkson Road, Olive Boulevard, Chesterfield Airport Road, Highway 40, Interstate 64, or anywhere in St. Louis County, contact us for a free case review.
Your fight is our fight
We're not a settlement mill. We take cases to trial when that's what it takes.
Proven trial lawyers
We don't just threaten to go to court — we actually do. Insurance companies know it.
Local Missouri roots
We know the St Louis County courts, the judges, and the insurance adjusters in this region.
Contingency fee only
Zero upfront cost. You pay nothing unless we win your case — ever.
Personal attention
Your case won't be handed off to a paralegal. You work directly with your attorney throughout.
Personal injury FAQ
Answers to the questions we hear most often from injury victims across Missouri.
Call 911 and stay at the scene. Missouri law requires you to report any accident involving injury or property damage over $500. While you wait for police, photograph everything you can: the vehicles, the road, traffic signals, skid marks, and any visible injuries. Get the other driver's name, licence number, insurance carrier, and policy number. Get names and phone numbers from any witnesses. Then see a doctor the same day, even if you feel okay. Adrenaline is real and it masks pain. Your medical record from that first visit becomes one of the most important documents in your claim.
Five years from the date of the accident under RSMo 516.120. That sounds like a lot of time. The practical reality is that the evidence you need to prove your claim starts disappearing within days. Traffic camera footage is typically overwritten within 30 to 90 days. Witnesses' memories fade. Physical evidence at the scene changes. The insurance company's team starts working immediately. Waiting months or years to contact an attorney puts you at a serious disadvantage.
No. You are not required to give a recorded statement to the other driver's insurance company, and doing so almost always hurts your claim. Adjusters are trained to ask questions in ways that minimise the insurer's liability. Something as simple as saying you "feel okay" in the hours after a crash can be used later to argue your injuries were not serious. Tell them you will have your attorney contact them, then call us.
Yes. Missouri uses pure comparative fault, which means you can recover compensation even if you were partially responsible for the crash. Your recovery is reduced by your percentage of fault. If a jury determines you were 25 percent at fault and your total damages are $200,000, you recover $150,000. Insurance companies know this and they routinely try to overstate your fault percentage to reduce their payout. An attorney stops that from happening.
You can pursue a claim through your own uninsured motorist coverage if you carry it. Missouri does not require uninsured motorist coverage, but most policies include it. We review your own policy as part of every car accident case because UM/UIM coverage is frequently the most important source of recovery when the at-fault driver carries no insurance or minimum limits that do not cover serious injuries.
Your economic damages cover all medical expenses from the accident forward, including future treatment if your injuries are ongoing. They cover income you lost while recovering and future earning capacity if the injuries affect your ability to work long term. Non-economic damages cover pain and suffering, emotional distress, and loss of enjoyment of life. In cases involving drunk driving or extreme recklessness, Missouri courts can also award punitive damages. The total depends heavily on the nature and permanence of your injuries, which is why we review medical records carefully before advising on any settlement offer.
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