If you’ve been hurt in an accident in Missouri and don’t know what to do, do three things today: get medical care and follow your doctor’s orders, don’t give the insurance company a recorded statement or accept their first offer, and talk to a personal injury lawyer for free before you sign anything. Call Sansone & Lauber at (314) 863-0500. The call costs nothing, takes a few minutes, and you pay nothing unless we win.
We Know What You’re Feeling Right Now
Maybe it’s the middle of the night and you can’t sleep because your body hurts and your mind won’t stop racing.
How am I going to pay for this? What if I can’t go back to work? Who’s going to take care of my family? Did I already say the wrong thing to the insurance adjuster?
You’re scared. You’re overwhelmed. You didn’t ask for any of this — one moment changed everything, and now you’re supposed to somehow become an expert in medical bills, insurance claims, and legal deadlines while you’re hurting.
Here’s the truth a friend would tell you: you are not overreacting, and you should not have to figure this out alone. The insurance company has trained adjusters and lawyers working on your claim already. You deserve someone in your corner too. That’s what we do — and it’s all we do.
What Should I Do Right Now After an Injury in Missouri?
Follow these six steps, in this order:
- Get medical care — and keep going. See a doctor now, even if you “feel okay.” Some serious injuries show up days later. Then follow through on every appointment. Gaps in treatment hurt your health and give the insurance company an excuse to pay you less.
- Report the accident. Make sure there’s a police report for a crash, or an incident report if you were hurt at a business or on the job. Paper protects you.
- Save everything. Photos of your injuries and the scene, names of witnesses, medical bills, pay stubs showing missed work, and every letter or voicemail from the insurance company.
- Do not give a recorded statement to the other side’s insurance company. You are not required to, and adjusters are trained to use your own words against you.
- Do not accept the first offer or sign anything. A release is final — even if your injuries turn out to be far worse than you knew.
- Call a personal injury lawyer before the adjuster calls you again. It’s free to talk: (314) 863-0500. Once we’re involved, the insurance company deals with us — not you.
Should I Talk to the Insurance Company After an Accident?
You should notify your own insurance company that an accident happened — but you should not give the at-fault driver’s insurance company a recorded statement or sign anything before talking to a lawyer.
The adjuster who calls you may sound friendly. Their job is not to help you. Their job is to close your claim for as little money as possible. Innocent-sounding questions — “How are you feeling today?” — become weapons later (“You said you were fine“).
You have the right to say: “I’m getting legal advice first. Please contact my attorney.” That one sentence can protect your entire case.
Should I Accept the Insurance Company’s First Settlement Offer?
Almost never — not before you know the full extent of your injuries and a lawyer has reviewed the offer. First offers usually arrive fast, before anyone knows what your future medical care, lost income, and pain are really worth. That’s not an accident. It’s a strategy.
Once you sign that release, your case is over. Forever. If you need surgery six months from now, that’s on you. Even the insurance industry’s own research group, the Insurance Research Council, has found that injured people with attorneys typically recover more than those who settle on their own.
Before you take a dime, let us look at the offer. The review is free — and it might be the most valuable phone call you ever make: (314) 863-0500.
“How Am I Supposed to Pay These Medical Bills and Lost Wages?”
This is the fear that keeps injured people up at night — and it’s exactly what a personal injury claim exists to fix. Depending on your case, compensation can cover:
- Every medical bill — the ER, surgery, imaging, physical therapy, and the care you’ll need in the future
- Lost wages for the work you’ve already missed
- Lost earning capacity if you can’t return to the same job — or any job
- Pain, suffering, and what this has done to your life — the sleepless nights, the things you can’t do anymore
- Property damage, like your vehicle
- A family’s loss, in wrongful death cases
You don’t have to know what your case is worth. That’s our job. Yours is to heal.
How Sansone & Lauber Takes This Off Your Shoulders
From the moment you call, the weight starts to shift. We:
- Take over all communication with the insurance company — the calls to you stop
- Investigate fast, preserving camera footage, witness statements, and evidence before it disappears
- Deal with the medical bills, working with providers and health insurance so collectors aren’t hounding you
- Build the full value of your claim, including future care and lost income — not just today’s bills
- Negotiate from strength, because insurers know which firms actually take cases to trial
- Try your case to a Missouri jury if that’s what it takes to get what’s fair
And you pay us nothing up front. No hourly fees. No retainer. We only get paid if you win.
Why Injured Missourians Trust Sansone & Lauber
You’re trusting someone with your family’s future. Here’s why thousands of injured people across Missouri have trusted us with theirs:
- More than $1 billion recovered for injured clients since 2003
- 23+ years fighting for injury victims — and personal injury is all we handle
- A long record of Missouri jury verdicts — insurance companies know we don’t just settle, we try cases
- Thousands of five-star reviews from clients we’ve stood beside
- Recognized by our peers in the legal community
- Deep experience in catastrophic injury and wrongful death cases — the cases where everything is on the line
- We answer. We call back. We explain. You will never be left wondering what’s happening with your case.
Waiting Hurts Your Case — Here’s Why You Should Call Today
Every day you wait, your case gets weaker while the insurance company’s gets stronger:
- Evidence disappears. Surveillance and dashcam footage is often overwritten within days or weeks. Skid marks fade. Vehicles get repaired or scrapped.
- Witnesses forget — or move, or stop answering their phones.
- The insurance company is already working. Their file on you started the day of the accident.
- Gaps in medical treatment get twisted into “proof” you weren’t really hurt.
- Legal deadlines are running. Missouri generally allows five years for most injury claims, but some deadlines are far shorter — wrongful death claims, medical malpractice claims, and claims involving government entities can have windows as short as 90 days.
The sooner you call, the sooner we can protect the evidence, shield you from the adjuster, and start building your case. The sooner you call, the sooner we can help: (314) 863-0500.
Frequently Asked Questions
How much does it cost to hire a personal injury lawyer in St. Louis?
Nothing up front. The personal injury lawyers at Sansone & Lauber works on a contingency fee, which means the consultation is free and we only get paid if we recover money for you. If we don’t win, you owe us no attorney fee.
How long do I have to file an injury claim in Missouri?
Most Missouri personal injury claims must be filed within five years, but important exceptions are much shorter — wrongful death (three years), medical malpractice (generally two years), and claims against government entities (notice can be required within 90 days). Call now so no deadline is missed.
What if I can’t afford a doctor or my medical bills right now?
Don’t skip treatment — your health and your case depend on it. We help clients understand every option, including health insurance, med-pay coverage, and providers who treat injury victims while the case is pending, and your claim seeks repayment of those bills.
What if the accident was partly my fault?
You can still recover. Missouri follows pure comparative fault, which means your compensation is reduced by your percentage of fault but not eliminated. Don’t let an adjuster talk you out of a valid claim — let us evaluate it for free.
Will my case go to trial?
Most cases settle without a trial. But insurance companies pay more to firms they know will walk into a Missouri courtroom — and we will if that’s what your case deserves. Either way, the decision to settle is always yours.
The insurance company already made me an offer. Is it too late to call?
If you haven’t signed a release, it’s not too late — and the offer on the table is probably a fraction of what your case is worth. Let us review it for free before you sign anything: (314) 863-0500.
You Don’t Have to Figure This Out Alone. Call (314) 863-0500 Now.
You’ve read this far because you’re hurting and you need real help — not another form, not another runaround.
So make it simple. Pick up the phone and call (314) 863-0500 right now. Tell us what happened. We’ll listen, we’ll tell you honestly whether you have a case, and if you do, we’ll take the fight off your shoulders today — the insurance calls, the bills, the deadlines, all of it — so you can focus on the only job that matters: getting better.
The call is free. The advice is free. You pay nothing unless we win.
Don’t wait. Waiting hurts your case — and you’ve carried this alone long enough.
📞 Call Sansone & Lauber now: (314) 863-0500. Available 24/7. Free consultation. No fee unless we win.
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