Rear End Collision
$2,300,000
Insurer offered$85,000
Spinal cord injury after a rear end crash. The insurer offered $85,000.
Serving St. Louis, Missouri
Car Accident Lawyer in St. Louis, Missouri
Hurt in a crash in St. Louis? The insurance company already has a team working on your claim. You should too. A free call tells you where you stand.
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Your attorneyAndranik "Andy" Boyadzhyan, Esq.Founding Attorney. Licensed in Missouri.Attorney advertising. Services are not available in all states.
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In Missouri, a St. Louis car accident claim is made directly against the driver who caused the crash and that driver's liability insurer. There is no no fault layer to work through first, and being partly at fault reduces the claim rather than ending it. Top USA Law handles the insurer, the records and the court filing. Call (877) 411-5291.
Where St. Louis car accidents happen
Downtown St. Louis is where four interstates squeeze toward one river crossing. I-64 and US 40 come in from the west, I-44 and I-55 from the south and I-70 from the north, and they all funnel onto the approaches to the Poplar Street Bridge. The lanes split and merge inside a few hundred feet, and a driver who realizes late that the left lane is leaving for the bridge cuts across traffic that is already braking.
West of downtown, I-64 through the Central West End and past Forest Park carries hospital traffic, ballgame traffic and commuters at once, and the ramps at Kingshighway are short. I-44 along the south side has the same problem at Hampton Avenue, where ramp traffic meets trucks bound for the interchange.
The city streets have their own patterns. Kingshighway and Grand Boulevard run the length of the city with long signal cycles that tempt red light runners. Natural Bridge Avenue on the north side and Gravois Avenue on the south side are wide, fast and hard to cross on foot, and pedestrian injuries there are often the worst cases we see. Whatever the road, the evidence starts disappearing the same day.
Getting treated at Barnes-Jewish after a St. Louis crash
Barnes-Jewish Hospital on Kingshighway in the Central West End is a Level I trauma center and receives the most serious crashes from I-64, I-70 and the north side. SSM Health Saint Louis University Hospital on South Grand is also Level I and takes much of the south side, including I-44 and Gravois. That first emergency chart is the document the insurer weighs most.
The crash report and the Civil Courts Building
St. Louis Metropolitan Police write the report for crashes on city streets, and you request a copy through the department. On I-64, I-44, I-55 and I-70 the Missouri State Highway Patrol often responds instead. A lawsuit over a city crash is filed in the Circuit Court of the City of St. Louis at the Civil Courts Building on Market Street.
Who pays, shared fault and the five year deadline
Missouri has no personal injury protection, so no part of your own policy pays medical bills automatically. Health insurance covers treatment while the claim is open, MedPay helps if your policy includes it, and the driver who caused the crash pays through the liability coverage RSMo 303.025 requires. Your own uninsured motorist coverage responds if that driver had none.
If you are blamed for part of a Poplar Street Bridge merge, RSMo 537.765 and Gustafson v. Benda reduce your recovery by that share and never eliminate it. RSMo 516.120 gives you five years from the crash to file suit, and RSMo 537.100 gives a family three years from a death. When a Metro Transit bus, a MetroLink train or a city vehicle is involved, sovereign immunity applies with exceptions for the operation of motor vehicles and dangerous conditions of public property, and some cities require a short written notice first. We send it first.
See if you have a case
Three answers and a phone number. An attorney reviews your situation and calls you back, free.
Results in cases like this
T Bone Accident
$1,800,000
Insurer offered$120,000
Broken pelvis and internal bleeding at an intersection. The insurer offered $120,000.
Drunk Driver Victim
$1,500,000
Insurer offered$50,000
Traumatic brain injury caused by an impaired driver. The insurer offered $50,000.
Every case is different. Past results do not guarantee, warrant, or predict a similar outcome.
Where we help in Missouri
How Top USA Law handles St. Louis car accident claims
Top USA Law has no office in St. Louis. We meet city clients by phone, by video, at home or at the hospital, and Andranik "Andy" Boyadzhyan, licensed in Missouri, handles the matter. In the first days we order the police or Highway Patrol report, send preservation letters for Metro Transit and storefront cameras, request your Barnes-Jewish or SLU Hospital records and notify the other driver's insurer. The Missouri car accident lawyer page explains the state rules in full, or call (877) 411-5291. No fee unless we win; costs may apply.
We serve Missouri clients by phone, video and in person appointments arranged case by case.
Courts where Missouri crash cases are heard
- Circuit Court of the City of St. Louis
Missouri laws that control your case
RSMo 537.765
Comparative fault: recovery is reduced by your share of fault, never barred (see Gustafson v. Benda).
RSMo 516.120
Five year deadline to file a personal injury lawsuit.
RSMo 537.100
Three year deadline for a wrongful death action.
RSMo 303.025
Mandatory motor vehicle liability insurance.
RSMo 577.060
Leaving the scene of an accident.
RSMo 577.010
Driving while intoxicated.
Hurt in a crash in St. Louis? Talk it through for free.
Missouri filing deadlines and insurance notice rules can be short. A free call tells you where your clock stands.
Car Accidents questions in St. Louis
Which hospital treats St. Louis car accident victims?
Barnes-Jewish Hospital on Kingshighway and SSM Health Saint Louis University Hospital on South Grand are the city's Level I trauma centers, and ambulances from the interstates and the Poplar Street Bridge approaches go to one of them. Top USA Law requests records from whichever treated you.
How do I get the police report for a St. Louis crash?
If St. Louis Metropolitan Police responded, request the report through the department. If the crash was on I-64, I-44, I-55 or I-70, the Missouri State Highway Patrol may have written it, and you request it from the Patrol. Ask the officer which agency will hold it.
Where is a St. Louis car accident lawsuit filed?
In the Circuit Court of the City of St. Louis at the Civil Courts Building on Market Street. Under RSMo 516.120 the lawsuit must be filed within five years of the crash. A crash in St. Louis County goes to a different courthouse.
I was hit by a Metro Transit bus on Grand Boulevard. Is my claim different?
Yes. Metro Transit buses and MetroLink trains are run by a public agency, so sovereign immunity applies with exceptions for the operation of motor vehicles and dangerous conditions of public property, and some cities require a short written notice first. Call early so the notice goes out on time.
What if I was partly at fault for a crash on I-64?
You still have a claim. Under RSMo 537.765 and Gustafson v. Benda, your recovery is reduced by your share of fault but never eliminated. A driver found 30 percent at fault recovers 70 percent. Do not give the other insurer a recorded statement first.
What does a St. Louis car accident lawyer cost?
Nothing up front. Top USA Law takes St. Louis crash cases on a contingency fee, so the consultation is free and there is no attorney fee unless we recover money for you. Case costs may apply, and the written fee agreement explains them before you sign.
Last reviewed by Andranik "Andy" Boyadzhyan, Esq., September 2026.
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I was in an Uber that got T boned. Both insurance companies were pointing fingers. Top USA Law cut through the mess and got me $875,000.
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