Common Mistakes That Can Lower Your Missouri Car Accident Settlement

Car accidents can be traumatic, both physically and financially. In Missouri, individuals injured in collisions often pursue settlements to recover damages. However, securing fair compensation isn’t guaranteed. Many victims unknowingly make critical errors that reduce the amount they receive. Before initiating a claim, it’s important to understand how these missteps can affect your case. Whether you’re wondering how your case compares to the car accident settlement average or aiming to maximize your payout, avoiding these common mistakes is essential.

1. Delaying Medical Treatment

After an accident, your health should be the top priority. Failing to seek prompt medical attention is one of the most damaging mistakes in a personal injury claim. Insurance adjusters may argue that your injuries are not serious or that they were not caused by the accident.

Delays in treatment give the impression that you weren’t really hurt, even if symptoms developed days later. Always visit a doctor immediately after a crash, even if you feel fine. Getting medical documentation from the start creates a strong foundation for your claim.

2. Admitting Fault at the Scene

In stressful moments, it’s natural to say things that may later be used against you. Many people unknowingly admit fault by apologizing or making speculative statements at the accident scene. In Missouri, which follows a “pure comparative fault” system, even partial fault can reduce your compensation.

For example, if you’re found to be 20% at fault for the accident, your settlement could be reduced by that percentage. That’s why it’s important to stick to the facts when speaking with others at the scene or to the police. Avoid statements that assign blame.

3. Failing to Document the Accident

Evidence plays a key role in proving fault and damages. Unfortunately, many victims fail to collect critical information at the accident scene. This includes not taking photos of vehicle damage, road conditions, or visible injuries.

Always gather the other driver’s contact and insurance details. If possible, get witness statements and call the police for an official report. These documents help support your claim and protect you from disputes later on.

4. Talking Too Much to the Insurance Company

Insurance adjusters may seem friendly, but their goal is to protect the company’s bottom line. Speaking freely to an insurer—especially without legal guidance—can backfire. They may twist your words to minimize your injuries or argue that you’ve admitted fault.

It’s okay to report the accident, but limit your conversation to basic facts. Do not provide a recorded statement or sign anything until you’ve consulted with a personal injury attorney.

5. Posting on Social Media

In today’s digital world, it’s tempting to share your recovery journey or updates after an accident. However, anything you post can be used against you. A photo showing you out with friends or a status about “feeling better” may suggest that your injuries aren’t serious.

Insurance companies often monitor claimants’ social media accounts. It’s best to avoid posting anything related to the accident, your health, or activities until your case is resolved.

6. Not Following Doctor’s Orders

Skipping follow-up appointments, ignoring prescriptions, or disregarding treatment plans can hurt your credibility. If you appear to be neglecting your recovery, insurers may argue that you’re exaggerating your injuries.

Always stick to your doctor’s recommendations. Doing so not only supports your physical recovery but also reinforces the validity of your claim.

7. Settling Too Quickly

After an accident, it’s normal to feel overwhelmed. Insurance companies often take advantage of this by offering quick, lowball settlements. Accepting an early offer might seem convenient, but it often leaves victims undercompensated—especially if additional medical treatment is needed.

Once you accept a settlement, you waive the right to future claims related to the accident. Be patient and wait until the full extent of your injuries and damages is known.

8. Not Hiring an Attorney

While it’s possible to handle a claim on your own, car accident cases can be complex. Many victims don’t realize how much they’re entitled to. An experienced Missouri personal injury attorney understands how to deal with insurers, gather evidence, and calculate future losses.

Legal representation often leads to higher settlements. In fact, studies show that accident victims with lawyers typically receive more than those who go it alone.

Final Thoughts

Mistakes made after a car accident can be costly—both financially and legally. In Missouri, where each case is unique, it’s crucial to understand how your actions can affect your outcome. While the car accident settlement average provides a benchmark, your actual compensation depends on how well you avoid common pitfalls.

From seeking timely medical care to consulting with a lawyer, every step you take helps build a stronger case. Stay informed, stay cautious, and take control of your recovery and your rights.