St. Louis Car Insurance Claim Lawyer

Our St. Louis car insurance accident lawyers handle all types of injury claims against insurance companies, including:

  • Uninsured (UM) Motorist Claims;
  • Underinsured (UIM) Motorist Claims;
  • Vexatious Refusal Cases;
  • Medical Payment Claims (med pay);
  • Accidental Death and Dismemberment Claims;
  • Liability Claims;
  • Excess Insurance / Umbrella policy claims;
  • Bad Faith Failure to Defend;
  • Bad Faith Failure to Settle; and
  • PIP claims for Out-of-State Insurance claims.

In all the above types of claims, Missouri requires all insurers to act in good faith and fairly adjust claims for their insureds. When insurance companies fail to do this, our insurance claim lawyers will hold insurers responsible to pay the coverage that was promised.

Missouri auto insurance laws

Missouri requires all drivers to carry liability limits in the about of $25,000 per person and $50,000 per accident. In addition, all people must carry $25,000 per person and $50,000 per accident in uninsured motorist (UM) limits. All other coverage such as medical payment insurance coverage and underinsured motorist (UIM) coverage is discretionary.

How to find out a driver’s insurance policy limits

Unlike some other states, Missouri does not require an insurance company to disclose their insured’s policy limits. However, most of the time we can convince the insurer to do so with the threat of a lawsuit. Once a lawsuit is filed, the entire car insurance policy is discoverable, including the amounts of various coverage.

When should I call a St. louis car insurance claim lawyer?

You should call an auto accident claim lawyer as soon as reasonably possible after a crash for a number of reasons. First, your own car insurance company requires all incidents to be reported to them. If you fail to timely do this, you could be denied coverage. Second, you have a duty to cooperate with your own insurer’s investigation of the crash, which could include recorded statements about how the incident occurred. A car insurance claim lawyer will ensure you meet both of these requirements while at the same time protecting your legal interests. A potential pitfall during any car insurance claim is that your own insurer could turn against you. During the investigation phase, your relationship with your own insurer may turn adverse and any information they obtain from you could be used against you to deny a claim. Remember: Insurance companies record all telephone calls.

What is the statute of limitation for a Missouri car insurance claim? Auto Accident Claim Attorney Ryan Bradley

All first party claims (UM, UIM, Medical Payment, etc.) are based upon contract. In Missouri, breach of contract claims must be brought within 10 years from the date of the incident. The statute of limitations for a liability claim against a third party tort is 5 years from the date of the incident.

Recognizing the difference between a first party claim and a third party insurance claim is not always crystal clear. Also, despite the fact the statute of limitations is 10 years for first party claims, if you destroy a first party insurer’s subrogation rights by failing to file a third party claim within 5 years, you may be barred from bringing  that claim.

The purpose of the above is reiterate that car insurance claims are extremely complex and require a clear and well defined strategy to maximize your recovery.

Free consultations

If you have a car insurance claim and are not being treated fairly, contact us for a free, no obligation legal consultation. Our reputation for holding insurer’s “feet to the fire” is well known (and well documented in verdicts) throughout the insurance industry. Insurance companies keep statistics on law firms – they know who wins and who doesn’t.

We have a reputation for winning, including jury verdicts for many times the insurer’s best offer prior to trial and mid-trial settlements for many times the policy limits. Beyond this, we routinely win against car insurance companies in the Missouri Court of Appeals and are responsible for making precedent setting law in this state. Ryan Bradley AV Rating

Our Results

Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients. Below are some of our recent personal injury case results.

$30M Sexual Assault
$14.25M Motorcyle Crash
$10.5M Fatal Wreck
$4M Product Liability
$4M Wrongful Death
$2M 18-Wheeler Wreck
$2M Wrongful Death Trucking Crash
$2M Wrongful Death Tractor Trailer
$1.7M Van Crash
$1M Truck Crash
$1M 18-Wheeler Wreck
$321K Auto Crash
$300K Motorcycle Wreck
$300K SUV Wreck
$225K Truck Crash

View All Results →


What Our Clients Are Saying

"Overall, I had a great experience working with The Bradley Law Firm!! I would recommend Ryan and his team to anyone. Being involved in a car accident can be quite stressful and dealing with insurance companies can be even more stressful. Having Ryan in my corner lifted a huge burden off my shoulders and made this process much easier for me. They handled everything. Tina is great…she is awesome! She’s extremely patient and kept me informed throughout the entire process. The Bradley Law Firm team is very personable, easy to talk to, and a pleasure to work with."


St Louis Personal Injury Lawyer

Our Results

Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients.

St Louis Personal Injury Lawyer

Our Mission

It is our mission to ensure you receive a maximum recovery for all of your damages, to the fullest extent under the law.


We Maintain the Highest Possible Ratings from Professional Organizations


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St. Louis Lawyer Disclaimer: The legal information offered herein, is not formal legal advice, nor is it the formation of an attorney client relationship. In order for our firm to be considered your attorney there must be a signed agreement between the client and the firm. Any results set forth herein are based solely upon the circumstances of that particular case and offer no promise or guarantee upon the outcome of any other case. Please contact a lawyer for a consultation. This site is not intended to solicit clients outside the State of Missouri or Illinois. The Bradley Law Firm may co-counsel or associate with other law firms around the country at its discretion from initial intake through litigation when it deems appropriate.

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