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Car Accident Not My FaultPosted on January 10, 2010.  Questions about car accidents If you've been in a car accident , you can feel everything you have left questions. Find the answers to some questions can be as easy as asking the right person, but finding the right person can be a confusing and onerous task in itself. The following are some questions you might need to ask yourself or your lawyer before you complete your insurance claims. Is Missouri a no fault state? Currently, Missouri is not a state without fault. This means that accidents are determined to be the fault of a driver or a percentage of fault of a driver. If the other driver is determined to 80 per cent at fault and you are determined to 20 percent at fault, the other driver's insurance should cover 80 percent of your costs and your insurance should cover 20 per cent. This also means that, contrary to a state without fault, the injured party may seek damages against the person who caused the car accident. In states without fault, insurance companies generally charge more because they will automatically expect compensation, regardless of who is at fault. What is tort? When reviewing your car injury accident case with a lawyer, he may refer to "tort." Tort may be used interchangeably with the trial, but it simply means that the state accepts that an individual can be at fault, or greater fault than the other. When do I find a legal representative? You can expect a lawyer to tell you that you should consult a lawyer immediately if you are in a car accident, but what you may not realize is that lawyers are not only to prosecute criminals, but also to protect your rights. In tort states, like Missouri, you may find that your insurance company are reluctant to cover your application or may deny you the compensation in part, if the fault has not yet been established. Working with an experienced car accident lawyer as soon as possible will help avoid costly mistakes or questionable phrasing forms of insurance that can cost you dearly later in your case. What if I refused medical assistance at the scene of the accident, then began to suffer from latent injuries? Although you should never deny medical assistance to a scene of the accident, failing to accept medical assistance does not automatically mean that you do not deserve compensation for your car accident related medical bills. Many insurance companies may claim that you were not hurt if you do not feel the need for medical care, but many injuries can occur and will be felt for hours, days or even weeks. 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