Recovered Over $300 Million for Our 7,000+ Clients
If you suffered an injury in a car collision, you might feel as if your life is no longer your own. Between medical appointments, vehicle repairs, and physical therapy sessions, your normal routine has disappeared. You deserve to reclaim control after a car crash.
Holland Injury Law, LLC, is here to assist you. For over 30 years, our law firm has boldly represented injury survivors throughout Missouri, including those in Cape Girardeau. We can use our vast experience as car accident lawyers to help you handle the insurance claims process, hold the negligent driver accountable, and recover the compensation you deserve. Contact our law firm today for a free consultation with a car accident attorney serving Cape Girardeau.
The moments immediately following a collision can feel overwhelming. If possible, you should take the following steps to protect yourself and maximize your claim.
Proving negligence is not easy, especially when insurance companies are doing what they can to pin the blame on you. However, Holland Injury Law, LLC, knows how to counter these tactics. We may use:
We will use whatever tools are necessary to seek a favorable settlement or verdict.
In Missouri, the statute of limitations for car collisions gives you five years from the date of the incident to file a lawsuit for compensation. However, some exceptions can extend or shorten this timeline. If the victim is under 21, the clock typically does not start until they reach age 21. If a government vehicle was involved, different notice requirements or deadlines may apply.
Act fast and consult a car accident attorney who serves Cape Girardeau to ensure you do not miss the deadline. Waiting too long can result in losing your right to seek compensation.
In Missouri, the driver who caused the crash is responsible for paying for all resulting harm. Missouri requires minimum liability insurance coverage of $25,000 per person for bodily injury, $50,000 for bodily injury per collision, and $25,000 for property damage. Drivers must also carry uninsured motorist coverage.
Missouri follows a comparative negligence system. If you are partially at fault for the collision, your compensation will be reduced by your percentage of fault. For example, if you are 20 percent at fault and your total losses are $100,000, your compensation will be reduced by 20 percent, resulting in a final award of $80,000.
Understanding what insurance coverage Missouri law requires, and what it does not guarantee, is important for anyone injured in a collision here. Missouri currently requires all drivers to carry liability insurance commonly described as 25/50/25 coverage. In plain terms, which means:
Missouri’s minimum coverage requirements are established under the state’s Financial Responsibility Law, found at Missouri Revised Statutes Section 303.025. Drivers who fail to maintain this coverage face fines, license suspension, and other penalties.
It is also worth noting that discussions have taken place at the state level regarding whether Missouri should increase its minimum bodily injury liability limits. Some sources have suggested that Missouri may consider raising minimum bodily injury coverage from $25,000 per person to $30,000 per person, with per-accident limits potentially increasing from $50,000 to $60,000. However, as of the time this page was last reviewed, Missouri’s minimum requirements have not officially changed, and no confirmed statutory update to those limits has been verified through state sources. We will update this page when any such change is officially adopted. If you have questions about how current coverage limits affect your specific claim, contact our office directly.
Even when a driver carries the legally required minimum insurance, that coverage frequently falls short of what seriously injured victims actually need. There are several reasons why minimum limits are often inadequate after a real-world collision.
Medical costs rise quickly. Emergency care, surgery, hospitalization, follow-up treatment, and physical therapy can generate tens of thousands of dollars in bills within days of a serious crash. A $25,000 per-person bodily injury limit can be exhausted long before a victim’s treatment is complete.
Severe injuries exceed policy limits fast. Traumatic brain injuries, spinal cord injuries, and other catastrophic harm routinely result in total damages that far exceed minimum policy limits. Once the at-fault driver’s coverage is exhausted, victims are left to pursue other avenues of recovery or absorb the remaining losses themselves.
Newer vehicles increase repair costs. Most new vehicles cost well above $25,000, and many trucks and SUVs on Missouri roads exceed $40,000 or more. A minimum property damage policy of $25,000 may not cover the full cost of replacing a totaled newer vehicle, leaving a gap that the victim must address separately.
Minimum policies rarely fully compensate victims. Even if the at-fault driver carries the required minimums, those limits are designed to satisfy a legal baseline, not to make a seriously injured person whole. When the other driver’s policy is insufficient to cover your losses, you may have options beyond that single policy, including your own uninsured and underinsured motorist coverage, claims against additional defendants, and investigations into the at-fault party’s assets.
If you were seriously injured by a driver carrying only minimum coverage, or by an uninsured driver, the path to full compensation is rarely straightforward. Holland Injury Law, LLC, can evaluate all available sources of recovery and fight to make sure you are not left with unpaid bills and uncompensated losses simply because the other driver’s policy was too small.
A car collision in Cape Girardeau can result in serious injuries that require extensive medical treatment. Here are some of the most frequently reported injuries:
Recognizing these common injuries underscores the importance of seeking prompt medical attention and legal counsel after a collision.
If someone else’s negligence caused your collision, you may be entitled to compensation for:
Our law firm will investigate your losses and build a strong claim for fair compensation.
If you have suffered harm in a car accident in Missouri, you probably have lots of questions about what comes next. Here are some of the most common concerns our clients express:
Cape Girardeau serves as a busy transportation hub in Southeast Missouri. Collisions frequently occur along Interstate 55, which carries heavy traffic through the city. Other high-risk locations include Kingshighway, Broadway, William Street, and Independence Street. Whether your collision occurred on a major highway or residential street, a car accident lawyer in Cape Girardeau can investigate what happened and fight for the compensation you deserve.
Insurance companies often make quick settlement offers that do not cover the full extent of your losses. These early offers typically arrive before you know the actual cost of your injuries. Once you accept and sign a release, you cannot pursue additional compensation later. Before accepting any settlement, consult a car accident lawyer who can evaluate whether the offer fairly compensates you.
If an uninsured driver causes your collision, you can file a claim with your own uninsured motorist coverage. This bodily injury coverage is required in Missouri and may compensate you, subject to the policy’s terms and limits. An experienced car accident attorney in Cape Girardeau can help you access this coverage and maximize your compensation.
When the at-fault driver’s policy limits are too low to fully compensate you, you may still have options. Your own underinsured motorist (UIM) coverage can help bridge the gap between what the other driver’s insurer pays and the full value of your claim. In addition, our attorneys may investigate whether other parties share liability, whether additional defendants exist, or whether the at-fault driver has personal assets that could be reached through a judgment. Do not assume that a low policy limit is the end of your recovery. Contact our office to discuss what avenues may be available in your specific situation.
Some injuries may not cause symptoms immediately. Adrenaline and shock can mask pain right after a collision, so you should see a doctor promptly, even if you feel fine. If you develop symptoms later, keep your medical records to document the development of your injuries, and contact a car accident attorney right away.
At the law firm of Holland Injury Law, LLC, we are here to shoulder the legal details of your case so you can focus on recovery. Our attorneys have recovered over $300 Million for our 7,000+ clients, and we are ready to fight for you, too.
Our experienced legal team treats every client like family. Our car accident attorneys are fiercely devoted to pursuing justice for injured people throughout Cape Girardeau. When you choose our law office, you gain compassionate advocates who are genuinely invested in your well-being.
We offer free consultations, and you will not pay any fees unless we win money for you. Contact our law firm today to schedule your consultation with a trusted car accident lawyer in Cape Girardeau.
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