Tricks That Insurance Companies Use to Deny or Reduce What You Receive for Your Car Accident
Insurance companies operate like any other business. Their main goal is to minimize their costs, which can sometimes leave unwitting drivers getting less than they deserve.
In a Missouri car accident, the at-fault driver is generally responsible for paying for injuries to anyone who sustains them in the accident, as well as the damages done to the other driver’s property. Unless the at-fault driver has collision insurance, then they are likely wholly responsible for their own damages. (Read Fault vs No-Fault Comparative Law States)
The law states that to drive in the state of Missouri, you must also have auto insurance. Liability insurance is the mandatory minimum that must be held by any driver who holds a valid license and wants to drive a vehicle. So, when you get into an accident, whether you were at-fault or not, you will typically have to deal with your insurance company. Although you pay your premiums faithfully, the insurance company’s job is unfortunately not to make sure that everyone is paid to the maximum, nor is their main objective to make sure that the parties get all that they are entitled to.