Getting into a car accident is stressful, and it can feel even worse if you believe you were at fault. Whether you made a mistake while driving or the situation is more complicated, knowing what to do next can help you manage the legal and financial consequences.
Here are five key steps to take after a car crash in St. Louis if you think you’re responsible, including how car accident lawyers can help.
1. Stay at the Scene and Call for Help
Leaving the scene of an accident can lead to serious legal trouble, even if the crash was minor. In Missouri, drivers are often required to stop, check for injuries, and exchange information. If there are any injuries or significant property damage, you must call 911.
Once authorities arrive, be cooperative, but be mindful of what you say. Admitting fault at this stage can complicate your case, especially if more details emerge later that show another driver also played a role in the crash.
2. Exchange Information and Document the Accident
Even if you believe you caused the accident, gathering information is still important. Get the names, contact details, and insurance information from all drivers involved. If there were witnesses, try to get their contact details as well.
Taking photos of the scene, vehicle damage, and any visible injuries can also help protect you later. These details can provide clarity when determining fault and assessing damage.
3. Notify Your Insurance Company
You must report the accident to your insurance provider as soon as possible. Many policies require you to notify them within a certain timeframe, and failing to do so could lead to complications with your coverage.
When speaking with your insurer, stick to the facts of what happened and avoid admitting fault outright. Insurance adjusters will conduct their own investigation, and assigning blame isn't always as straightforward as it seems.
4. Be Cautious About Accepting Blame
Even if you feel responsible, it’s best to avoid making statements like "I’m sorry" or "It was my fault." Missouri follows a pure comparative fault system, meaning multiple parties can share responsibility for an accident. If the other driver was also partially at fault, your percentage of liability could affect your financial obligations.
Fault is determined based on evidence, such as police reports, witness statements, and accident reconstruction. Let the investigation play out before making any assumptions.
5. Consider Speaking With a Car Accident Lawyer
If you were at fault in a crash, you may be facing insurance claims, potential lawsuits, or even higher insurance rates. A car accident lawyer can help you understand your rights, negotiate with insurance companies, and minimize financial consequences.
An attorney can also help if the other driver is blaming you unfairly or if their insurance company is demanding excessive compensation. Legal representation ensures that your interests are protected throughout the process.
Contact a St. Louis Car Accident Lawyer for Help
If you’ve been in a car accident in St. Louis and are worried about the consequences of being at fault, don’t handle it alone. A car accident lawyer can help you understand your options, deal with insurance companies, and protect your financial future.
Contact an attorney today to discuss your case and get legal guidance. Most accident lawyers offer free initial consultations and work on a contingency fee basis, so you only pay attorney’s fees if they win compensation for your claim.
James Eason is a seasoned trial attorney and the founding partner of The Eason Law Firm, LLC, a St. Louis-based personal injury law firm. He has over two decades of experience representing accident victims and dedicates his life to fighting for the rights of the injured and abused. Contact us for a free initial consultation.
