When it comes to personal injury law, you might have heard that pursuing a claim is expensive or insurance companies will pay all of the bills. If you are injured, you need accurate information from knowledgeable sources to make wise decisions. The facts below should help you understand your personal injury law rights and how to protect them.

4 Personal Injury Law Myths, Debunked

I have plenty of time to file my claim.

Generally, Missouri law imposes a five-year statute of limitations from the date of the accident for personal injury claims. If your negligence claim is against a government agency or employee, the limitation period is much shorter, and special rules apply. You must file a claim or lawsuit within the limitation period, or you lose the right to compensation.

It's going to cost a lot of money.

Most personal injury law attorneys offer free consultations and accept cases on a contingency fee basis. This means you don’t pay the lawyer until after you receive a settlement or jury award. The attorney’s fee is a percentage of the money you receive, and you agree to it in advance in a written contract with the attorney. 

My insurance will cover my costs if I’m injured.

Insurance companies look for ways to avoid paying claims. Your insurer might argue that you are at fault or were not injured, so they can pay much less than what your claim is worth—or not pay at all. 

I have only minor injuries.

Missouri's personal injury law allows you to receive compensation for minor injuries and related costs, including medical bills, lost wages or income, and pain and suffering. Minor neck and back injuries, including whiplash, can cause long-term problems. Consulting a physician and speaking with a personal injury attorney ensure you know your medical condition and legal rights.   

Separating myth from fact under personal injury law can be challenging. If you have been injured in Howell County, MO, or the surrounding area, an attorney at Privette Law Office will ensure you understand your rights. Since 1984, this firm has served Willow Springs residents, providing advice and representation in personal injury cases, family law matters, and Social Security claims. Visit their website to learn more about their practice areas, or call (417) 469-3535 to schedule a consultation with a personal injury attorney today.