Nearly every employed Missouri or Illinois resident is protected by workers’ compensation. Workers’ compensation covers injuries and occupational diseases which occur while you are on the job. The law guarantees you three kinds of Workers’ Compensation benefits:

1. Health care to cure the injury
2. Cash payments for lost wages
3. Cash awards for any permanent or partial disabilities

If you have sustained an on-the-job injury, it is important that you understand your rights and obligations as soon as possible. Contact an experience St. Louis personal injury or workers’ compensation lawyer immediately.

There are many ways you can be a victim of a St. Louis personal injury through the carelessness or neglect of others, including:

• Car Accident
• Tractor Trailer Accident
• Accident with a Drunk Driver
• Motorcycle Accident
• Boating Accident
• Dog Bite
• Fall on Public or Private Property
• Defective Product

If you have been injured, you have valuable legal rights. Contact a St. Louis personal injury lawyer now to discuss how to protect yourself.

When you are the victim of an automobile accident you may be able to assert several types of claims. First, under the policy of the driver at fault, you have a claim for compensation for pain and suffering, permanent injuries, health care expenses, lost wages, and for the cost to repair or replace your damaged automobile. The other person’s insurance company may also be responsible for providing you with a rental car during the time it takes to either repair or replace your automobile.

Second, if the responsible driver is uninsured, your own insurance policy provides coverage for you. Therefore, you should collect essentially the same benefits even if the driver at fault is uninsured. Also, your own insurance policy may provide benefits that will pay all of your accident-related health care expenses.

Lastly, you should be aware that your insurance company cannot raise your rates if the accident was not your fault, regardless of whether you make a claim against your policy. Missouri Division of Insurance regulations provide:

“In no event shall an insurer request an increase in premium from any insured in connection with any claim arising out of any accident for which the insured was not at fault.” 4CRS 190- 17.100(3)