How Do Insurance Companies Investigate Personal Injury Claims in Missouri?

At The Gogel Law Firm, our St. Louis personal injury attorney provides free consultations for all Missouri residents who have been hurt by another person, party, or entity’s negligence.

During our initial conversations, we explain to injury victims how the insurance company will investigate their claim, so they can take the necessary steps to safeguard their personal injury case and pursue the best outcome available for their unique circumstances.

The reality is, insurance companies evaluate personal injury claims in a way that benefits their bottom line.

Here is what our prospective clients need to know about protecting their best interests after an accident.

Insurance Company Representatives Always Place the Company’s Best Interests First

Whether you were injured in a vehicle collision, slip and fall accident, or at work, the insurance company representative will evaluate your unique claim with the insurance company’s best interests at the forefront of their investigation. Not yours.

The insurance company is not simply going to write a blank check for your medical costs, lost wages, or additional expenses because you said you are hurt. They are going to make you prove it, while they do everything they can to undervalue or outright deny your claim.

Here is how.

If you suffered injuries in a car accident, the insurance company will request all pertinent information that relates to the crash and slant their findings to fit their needs.

That may include:

  • Requesting copies of your driving record, insurance coverage information, and the police report and law enforcement statements from the crash
  • Producing witness testimonies that dispute your statement
  • Presenting conflicting evidence from the crash scene
  • Submitting photos or videos taken after the accident occurred that supports their version of events
  • Requesting medical records that present alternative causes or identify preexisting conditions as the fault for your injuries
  • Running a full background check, scrutinizing your social media accounts, and asking your friends, neighbors, and even family members about your behavior after your injuries occurred

The insurance company will also contact you immediately and ask for a recorded statement, hoping to catch you during a vulnerable time, using proven interview tactics that manipulate your account of the events that led up to the crash, so you sound responsible for its occurrence.

Do not give allow them to use your statement against you when they could talk to us ensuring your rights are protected from the start instead.

Contact Our Personal Injury Attorneys in St. Louis For Free Consultation

If you have been injured as a passenger in an accident caused by negligence in Missouri, contact our dedicated personal injury attorney in St. Louis today and allow us to review your case by calling (314) 370-8173 or contact us online to schedule a free consultation.

Need legal help? Give us a call.


745 Old Ballas Road
St. Louis, MO 63141

Free Case Evaluation & Consultation