St. Louis Car Accident Lawyer

A car accident can leave you facing medical treatment, lost income, property damage, and an insurance company focused on limiting its exposure. Thompson Law helps injured clients in St. Louis understand their options, build strong claims, and pursue the compensation available under Missouri law. 

Why Choose Thompson Law for Your St. Louis Car Accident Case

Experience With the Insurance Industry

When you are pursuing a car accident claim, you may be dealing with an insurance company that has so many people working to protect their interests. Understanding how the other side approaches a claim can be important when evaluating liability, documenting injuries, and negotiating a potential settlement.

Before representing injured clients, Tyler Thompson spent years working on the insurance-defense side, including serving as in-house counsel for a national insurance company, giving him an insider perspective on how insurers approach claims.

Detailed Focus On Your Case

Every accident has different circumstances; the cause of the collision, nature of your injuries, insurance coverage, and how it’s affected your life can all shape a claim. We take the time to understand those circumstances and evaluate the evidence before deciding how to approach your case.

Prepared to Negotiate - and Litigate When Necessary

Many personal injury claims are resolved through negotiation, but not every dispute can be resolved that way. If the parties cannot reach an appropriate resolution, litigation may be necessary depending on the circumstances.

What To Do in the First 24 Hours After a Car Accident in St. Louis

The decisions you make immediately after a collision can affect your health and the evidence available later. If you are physically able to do so, consider these steps:

1. Check for Injuries

Check yourself and others involved in the crash. If anyone appears seriously injured, seek emergency medical assistance immediately.

2. Contact Law Enforcement

Report the accident when required and cooperate with responding officers. A police or accident report may become an important part of the record of what happened.

3. Get Medical Attention

Some injuries may not be obvious immediately after a crash. Follow appropriate medical advice and keep records of your treatment, appointments, prescriptions, and related expenses.

4. Document the Accident Scene

If it is safe to do so, photograph or record:

  • Vehicle damage
  • The surrounding roadway
  • Traffic signals and signs
  • Skid marks or debris
  • Weather and road conditions
  • Visible injuries
  • Other vehicles involved

5. Gather Information

Obtain the names and contact information of the other drivers and witnesses, along with applicable insurance information.

6. Avoid Speculating About Fault

Be factual when speaking with law enforcement and others at the scene. Avoid making statements about who was responsible before all of the circumstances are known.

7. Preserve Your Records

Keep medical bills, wage-loss documentation, repair estimates, insurance correspondence, photographs, and other records relating to the accident.

8. Be Careful With Insurance Communications

What you say and do early in the claims process can affect how the insurance company evaluates your claim later and may have legal and financial consequences. Consider obtaining legal advice before making statements about fault or accepting a settlement.

9. Contact an Attorney if You Have Questions About Your Claim

If you suffered significant injuries, liability is disputed, or the insurance company is challenging your claim, an attorney can evaluate the circumstances and explain your options.

How Thompson Law Can Help With Your Car Accident Claim

Investigating the Cause of the Crash

Determining why a collision occurred can require more than reviewing the accident report. We examine the available evidence to understand how the crash happened and identify potential liability issues.

Gathering Evidence to Prove Liability

Evidence may include police reports, witness statements, medical records, photographs and videos, surveillance and dashcam footage, Event Data Recorder (EDR) information, vehicle inspection and repair records, documentation supporting property damage claims, expert testimony, and other records relevant to the collision.

Documenting Your Injuries and Losses

A car accident claim may involve more than the initial medical bill. Depending on the circumstances, damages may include ongoing medical treatment, lost income, reduced earning capacity, pain and suffering, and other losses.

Negotiating With Insurance Companies

Insurance companies may dispute liability, question the severity of an injury, or make an offer that does not account for all of the damages supported by the evidence. We handle communications and negotiations as appropriate to your case.

Taking Cases to Trial When Necessary

Not every claim can or should be resolved through settlement. When litigation becomes necessary, we can pursue your case through the court process.

Have an Insurance Company Disputed Your Claim?

Common Causes of Car Accidents in St. Louis

Car accidents can happen for many reasons. Identifying the cause is important because it can help determine who may be legally responsible for the resulting injuries and losses.

Common contributing factors include:

Distracted Driving

Texting, using a phone, adjusting controls, eating, or other distractions can take a driver’s attention away from the road.

Speeding

Driving too fast for the circumstances can reduce reaction time and increase the severity of a collision.

Following Too Closely

A driver who does not leave sufficient stopping distance may be unable to avoid a collision when traffic slows or stops.

Failure to Yield

Failing to yield the right of way can contribute to intersection and turning accidents.

Running Red Lights or Stop Signs

Disregarding traffic signals or stop signs can lead to intersection collisions and other serious crashes.

Impaired Driving

Alcohol or drugs can impair judgment, reaction time, and a driver’s ability to operate a vehicle safely.

Reckless or Aggressive Driving

Unsafe lane changes, tailgating, racing, and other dangerous driving behaviors can contribute to serious collisions.

Driver Fatigue

Fatigue can affect attention, reaction time, and decision-making.

Weather and Road Conditions

Rain, ice, flooding, poor visibility, roadway defects, or other environmental conditions may contribute to an accident. These circumstances do not automatically establish liability, and the specific facts must be evaluated.

Types of Car Accidents We Handle

Thompson Law represents clients in a range of motor vehicle cases, including:

  • Rear-end collisions
  • T-bone and intersection accidents
  • Head-on collisions
  • Hit-and-run accidents
  • Distracted driving accidents
  • Impaired driving accidents
  • Multi-vehicle collisions
  • Rideshare accidents involving Uber or Lyft
  • Rollover accidents
  • Accidents involving commercial vehicles
  • Serious and catastrophic injury accidents

The circumstances of each case can affect liability, insurance coverage, and the evidence needed to support a claim.

Common Injuries After a Car Accident

Car accident injuries are not always obvious at the scene. Some cause immediate pain, while others may become apparent over the following hours or days.

Common car accident injuries include:

Neck and Back Injuries

Whiplash, herniated discs, spinal injuries, and other neck or back conditions may develop after a collision.

Head and Brain Injuries

Concussions and traumatic brain injuries can occur even when there is no obvious external injury.

Broken Bones and Joint Injuries

The force of a crash can cause fractures and injuries to the shoulders, knees, hips, wrists, and other joints.

Soft-Tissue Injuries

Muscle, ligament, and tendon injuries can cause pain and limit mobility.

Nerve Injuries

Some collisions can result in nerve damage, numbness, weakness, or chronic pain.

Serious and Permanent Injuries

Severe crashes can result in permanent impairment, disability, paralysis, disfigurement, or other life-changing injuries.

Who Can Be Held Liable for a St. Louis Car Accident?

Another Driver

A negligent driver may potentially be responsible when their conduct contributed to the collision.

Commercial Driver or Employer

Accidents involving delivery vehicles, commercial trucks, or employees operating vehicles for work can involve additional legal and insurance considerations.

Vehicle or Parts Manufacturer

If a defective vehicle or component contributed to a crash or injury, product liability issues may arise.

Government or Roadway Entity

In certain circumstances, roadway design, maintenance, signage, or other conditions may be relevant to determining responsibility. Claims involving government entities can involve special legal requirements and deadlines.

Multiple Parties

Some accidents involve more than one potentially responsible party. Determining each party’s role may require a detailed investigation.

Compensation Potentially Available in a St. Louis Car Accident Case

A crash on I-70, Gravois Avenue, or another St. Louis roadway can leave you dealing with losses that go beyond the initial vehicle damage. The damages available in a car accident case depend on the facts, the injuries, the evidence, and applicable Missouri law.

Potential damages may include:

Medical Expenses

Medical expenses may include emergency care, hospital treatment, surgery, rehabilitation, medication, and other treatment related to accident injuries, subject to the facts and applicable law.

Future Medical Treatment

Some injuries require ongoing therapy, follow-up care, medication, rehabilitation, or future procedures.

Lost Income

If your injuries prevent you from working, lost wages and other income during your recovery may be part of a claim where supported by the evidence.

Loss of Earning Capacity

A serious injury may affect your ability to perform your current job or earn income at the same level in the future.

Pain and Suffering

Depending on the circumstances, compensation may be available for your physical pain and the emotional effects associated with an injury.

Disability or Disfigurement

Serious injuries may result in permanent limitations, disability, paralysis, or significant changes to a person’s physical condition.

Loss of Enjoyment of Life

If your injuries prevent you from participating in activities, hobbies, or other parts of daily life you previously enjoyed, those effects may be considered as part of a claim.

Property Damage

Vehicle damage and other qualifying property losses may be addressed separately from bodily injury damages.

Other Damages

Depending on the circumstances, additional damages may be available under applicable Missouri law.

How Much Is a St. Louis Car Accident Case Worth?

A claim involving a broken bone and several weeks of treatment may look very different from one involving surgery, months away from work, or permanent limitations, even if the crashes themselves appear similar.

Factors that can affect the value of a claim may include:

  • Severity of the injuries
  • Medical treatment and expenses
  • Need for future treatment
  • Time away from work
  • Loss of earning capacity
  • Permanent impairment
  • Pain and suffering
  • Evidence establishing liability
  • Comparative fault
  • Available insurance coverage
  • The long-term effect of the injuries

The factors above can interact in different ways from one case to another, which is why settlement amounts can vary significantly.

Missouri Car Accident Laws That May Affect Your Case

If you share responsibility for a crash, your compensation may be reduced by your percentage of fault. Missouri generally allows recovery even when the injured person is partly at fault.

Missouri generally gives you five years to file a personal injury lawsuit after a car accident, although exceptions and different deadlines may apply.

Missouri law requires police notification and, in some circumstances, written accident reports for crashes involving injuries, death, or qualifying property damage.

Missouri requires drivers to maintain financial responsibility, typically through required auto liability insurance. Available coverage can affect how a claim is handled.

If the at-fault driver has no insurance, your own uninsured motorist coverage may provide another potential source of compensation, depending on your policy and the circumstances.

16 yrs
of legal experience
$6M+
Recovered for clients
100+
Cases resolved
MO + IL
Licensed to practice
Client Reviews
Erin D
After a very negative experience with our first personal injury lawyer, Tyler Thompson renewed our faith in the legal system and exceeded our expectations as our represention. Tyler was very communicative, compassionate, diligent in moving our case along, and found us the right specialist who finally was able to give us an accurate diagnosis and treatment options. We highly recommend Tyler and the Thompson Law STL Firm! “
Colleen Kelly
After being unsatisfied with my initial representation, I contacted Tyler who was determined, informative and confident in my case from start to finish. Through the process, he offered updates and was able to get the matter resolved to satisfaction. Beyond this, he was personable and a pleasure to be represented by- after my case finally settled, he called me that day and offered to drop the check off to me at my work. I'll be sure to share his contact with anyone who may need representation. Thank you, Tyler!
Bel da Silva
Can't speak highly enough of Tyler! He always kept me up to date on the case and was able to get my settlement higher than what the other party wanted to pay. He was timely and all around a nice guy. He even picked me up on the way to mediation. He always listened to me and I really feel like at every step of the way had my best interest at heart. I wish I could give him 10 stars out of 5!
Jason Malacarne
Tyler Thompson was my attorney during a car accident situation where I was injured. He worked for a different firm at the time I hired him originally, but I liked him so much and felt he had strong character and integrity, I made the decision to stick with him as my attorney when he no longer worked there. Well, I couldn't have made a better decision. Tyler is not just a good attorney who delivers when he says he will, he is also a good person.
Injured in a car accident?

You don’t have to handle the claim alone. Contact Thompson Law for support.

Meet Your Attorney

Meet Tyler Thompson, an experienced St. Louis personal injury attorney with more than 12 years of legal experience. Before focusing on representing injured individuals, Tyler worked in insurance defense, including serving as in-house counsel for a national insurance company.

That experience gives Tyler a firsthand understanding of how insurance companies evaluate personal injury claims. He knows the questions insurers may ask, the factors they consider, and the issues that can affect the value of a claim.

Today, Tyler uses that experience to build strong cases for injured clients and negotiate with insurance companies from a position of knowledge. His goal is to help clients understand their options and pursue the compensation they deserve.

Common Questions

FAQs — St. Louis Car Accident Lawyer

The cost of legal representation depends on the attorney and the fee agreement for the case. Thompson Law can explain its fee structure during your initial consultation.

Not every accident requires an attorney. However, an attorney may be particularly helpful when you have significant injuries, disputed liability, substantial damages, an uninsured or underinsured driver, or an insurance company disputing your claim.

There is no standard value for a car accident claim. Your injuries, medical expenses, lost income, future treatment, liability, comparative fault, insurance coverage, and the long-term impact of the accident can all affect what your claim may be worth.

Being partly at fault does not necessarily prevent you from recovering compensation under Missouri’s comparative fault rules. Your recovery may be reduced according to your share of fault, depending on the facts of the case and applicable law.

Your own insurance policy may provide uninsured motorist coverage, depending on the circumstances and policy terms. Missouri law addresses uninsured motorist coverage in §379.203.

Before accepting an offer, make sure you understand what it covers and whether it accounts for your current and expected losses. Once a settlement is accepted and the appropriate documents are signed, you may give up the ability to pursue additional compensation. Consider obtaining legal advice before accepting an offer, particularly if you have significant or ongoing injuries.

There is no standard timeline. Some claims resolve relatively quickly, while others take longer because of ongoing medical treatment, disputed liability, complex damages, insurance issues, or litigation.

Some injuries may not be obvious immediately after a collision. If symptoms develop later, seek appropriate medical evaluation and explain when the symptoms began and how they relate to the accident.

Depending on the case, evidence can include accident reports, photographs, videos, witness statements, medical records, vehicle damage, surveillance footage, employment records, and other documentation.

Evidence that the other driver was texting or otherwise distracted may be relevant to determining who was responsible for the crash. That could include phone records, witness statements, video footage, or other evidence, depending on the circumstances.

Evidence that the other driver was intoxicated may support your position on liability and could raise additional legal issues depending on the circumstances. Police reports, test results, witness statements, and other evidence may be relevant; however, the effect on a civil claim depends on the facts and applicable law.

Missouri generally provides a five-year limitations period for many personal injury actions under §516.120, but exceptions and different deadlines may apply. The deadline can depend on the circumstances of your case, so do not assume the general five-year period applies to you

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