St. Louis Car Insurance Dispute Attorneys

The Midwest's Most Effective Injury Law Firm

1,000s of Satisfied Clients
$1 Billion+ Recovered in Compensation
40+ Years of Experience

This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Terry Crouppen who has more than 40 years of legal experience as a personal injury attorney. Our last modified date shows when this page was last reviewed.

This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Terry Crouppen who has more than 40 years of legal experience as a personal injury attorney. Our last modified date shows when this page was last reviewed.

Unfortunately, though insurers market their products as though they have your best interests at heart, they actually prefer to deny as many insurance claims as possible—even legitimate ones if they can get away with it. Ultimately, they are for-profit businesses concerned with preserving their own bottom lines. 

Our skilled legal team understands the tricky tactics insurers use to undermine legitimate claims and is committed to defending your right to full and fair compensation. Call (314) 501-9510 or reach out online to schedule your free consultation with our skilled car insurance dispute attorneys in St. Louis. 

Why Choose Brown & Crouppen as Your St. Louis Car Insurance Dispute Lawyers?

If you are in search of a top-tier car insurance dispute law firm in St. Louis, look no further. When you hire the personal injury attorneys at Brown & Crouppen, you can rest easy knowing that we will stand by your side every step of the way as we work to resolve your insurance claim. Here are just a few things that set us apart:

  • Life-Changing Case Results – Our track record of securing high-value case results speaks for itself. We have secured over $1 billion in settlements and verdicts for our clients. 
  • Extensive Knowledge & Experience – With 40+ years practicing personal injury law under our belts and a legal team composed of over 250 professionals, including dozens of talented attorneys ready to fight for you, our wealth of combined knowledge and experience is unmatched. 
  • Generous Fee Structure – Our fee structure is straightforward: we charge no upfront legal fees, and you pay nothing unless we secure compensation on your behalf. This is just one way we demonstrate our commitment to the rights of injury victims, no matter their financial circumstances. 
  • Extensive Resources & Legal Network – In our decades of practice, we have developed a robust professional network and an extensive arsenal of legal resources. Whether you need expert testimony from accident reconstruction specialists or an in-depth analysis of the law governing your case, we have what it takes to build the strongest claim possible on your behalf.  
  • An Award-Winning Personal Injury Law Firm – We are an award-winning law firm. Because of our client-focused approach and dedication to professional excellence, we have been recognized by the St. Louis Post-Dispatch as the best law firm in St. Louis. We have also been recognized by various other professional organizations and publications, including Super Lawyers and The National Trial Lawyers. 
  • Community Involvement – At the end of the day, the law is for everyone. As members of a service-oriented profession, we are dedicated to giving back to our community. We contribute to various charitable causes, including Habitat Humanity, the Humane Society of Missouri, Mothers Against Drunk Driving, and the Juvenile Diabetes Research Foundation.

Glowing Testimonials From Our Satisfied Clients in St. Louis

Choosing the right car insurance law firm to handle your claim is the first step toward securing full and fair compensation. Finding skilled legal representation is even more important when insurers unfairly undervalue or deny your claim. 

Your search stops here. At Brown & Crouppen, we are confident in the high quality of our services. So are our many satisfied clients. Learn by exploring their glowing reviews: 

Understanding Car Insurance Coverage Options in St. Louis

After a car accident, multiple types of insurance may come into play to cover your injuries and losses. Our car insurance claim lawyers can help you evaluate all forms of coverage available to you, which may include

  • Auto Liability Insurance – Missouri is an at-fault insurance state and requires drivers to ensure financial responsibility by maintaining “25/50/25” auto liability insurance. In other words, coverage requirements in Missouri are set at $25,000 per person, $50,000 per accident, and $25,000 for property damage. These are minimum coverage amounts, and you could always purchase more.
  • Medical Payments (MedPay) Coverage – MedPay covers medical expenses regardless of fault. It can help pay for medical bills, ambulance fees, hospital stays, and other medical-related costs resulting from injuries sustained in a car accident. MedPay is not mandatory. 
  • Uninsured/Underinsured Motorist (UM/UIM) Coverage  – UM/UIM coverage is required in Missouri and covers you if the at-fault driver doesn’t have insurance or enough coverage to pay for your full damages. This kind of insurance also covers you if you were involved in a hit and run accident and the at-fault driver can’t be found.
  • Health Insurance – Depending on the terms of your health insurance policy, it may cover various medical costs related to your accident, including hospitalization, surgeries, doctor visits, medications, rehabilitation, and therapy. Health insurance can be crucial in covering expenses that exceed the limits of other available insurance policies. It can also help when fault for an accident is unclear or UM/UIM coverage does not apply.
  • Collision Coverage – Collision coverage helps pay for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.
  • Comprehensive Coverage – Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision with another vehicle. Covered non-collision events might include things like theft, vandalism, fire, hail, flooding, falling objects, and natural disasters.
  • Guaranteed Asset Protection (GAP) Coverage – This is an optional type of auto insurance that covers the “gap” between the amount you owe on your car loan or lease and the actual cash value (ACV) of the vehicle at the time of a total loss. 
  • Rental Reimbursement – This helps cover the cost of a rental car if your vehicle is being repaired due to an accident. It may be included as part of another policy.

“Insurance adjusters are trained to be nice and good on the phone and lull you into a false sense of security like they are on your side. They are not. They are paid to ensure you receive as little as possible. And there are psychological ways that they make you feel like they are doing everything for you, but they are not. They will lose their job if they are doing everything for you."

Why Do Insurers Deny Claims?

Insurance policies are complex documents. It’s important to review yours carefully and understand your coverage limits to ensure adequate coverage in the event of an auto accident. Here are some common reasons insurers deny auto insurance claims:

  • Non-coverage of the incident due to policy exclusions
  • Failure to disclose relevant information or providing false information
  • Inactive policy due to non-payment
  • Exceeding coverage limits
  • Pre-existing damages or suspicions of fraud
  • Insufficient evidence to support the claim
  • Conflicting accounts of the incident
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Get started with a free consultation with one of our skilled Personal Injury Lawyers today.

Navigating Bad Faith Insurance Tactics in St. Louis

Auto insurers often employ unscrupulous tactics to maximize their profits at the expense of policyholders. It’s important for you to stay vigilant and informed when dealing with auto insurers.

You should carefully review your policies and seek assistance from an auto insurance claim attorney if you suspect unfair treatment or unethical behavior. Here are some examples:

  • Delaying Claims Processing – Some insurers intentionally delay processing claims, hoping that policyholders will become frustrated, abandon their claims, accept less compensation than they deserve, or miss the statute of limitations
  • Lowball Settlement Offers – Hoping to quickly resolve claims for less than they’re worth, insurers may offer unreasonably low settlements early on. Their adjusters may undervalue claims by using biased estimators or outdated valuation methods.
  • Denying Valid Claims – Insurers may wrongfully deny valid claims or delay payment, forcing policyholders to go through lengthy appeals processes or legal battles to receive the benefits they’re entitled to.
  • Complex and Confusing Policies – Insurers may intentionally design policies with complex language and hidden clauses to confuse policyholders and limit their ability to understand their coverage.
  • Misrepresenting Policy Terms – In some cases, insurers may mislead policyholders about the terms and conditions of their policies, leading to misunderstandings or disputes.
  • Cancellation Without Justification – Some insurers cancel policies without valid reasons or adequate notice, leaving vulnerable policyholders without coverage when they need it most.
  • Misleading Marketing – Some insurers use deceptive marketing tactics to attract customers with promises of low rates or comprehensive coverage, only to later impose hidden fees, exclusions, and rate hikes.

Remember, bad faith insurance tactics are prohibited by consumer protection laws. Violations require the attention of an experienced bad faith car insurance attorney and may even result in a state investigation

The Impact of a Personal Injury Claim On My Insurance Premiums in Missouri

Insurance rates\ increases are strictly regulated in Missouri. According to the Missouri Department of Commerce and Insurance:

“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.” 20 CSR 500-2.600(3)

However, so long as they comply with this law and others, insurers are allowed to raise insurance premiums.

When you’re involved in an accident, especially if you’re found to be at fault, insurers may view you as a higher risk. As a result, they may raise your premium to offset the increased likelihood of having to pay out more in claims. Your driving history and claims record are significant factors that insurers consider when determining your premium rates.

Additionally, the severity of any accidents you are in and the resulting damages can also impact the extent of premium increase. While not all accidents result in premium hikes, it’s essential to understand that your driving behavior and history directly influence your insurance rates.

Explore Your Legal Options With Our St. Louis Car Insurance Dispute Lawyers

Our world-class personal injury law firm is committed to providing high-quality legal representation to accident victims throughout Missouri and beyond. When big insurance companies deny rightful claims for compensation, we are ready to push back hard. 

Don’t let insurance companies get away with undermining your rights. Call us today at (314) 501-9510 or reach out online to schedule your free consultation with our knowledgeable and compassionate car insurance dispute attorneys in St. Louis.



Brown & Crouppen Law Firm

4900 Daggett Ave., St. Louis, MO 63110
(314) 501-9510

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Have you suffered an injury?

Call Brown & Crouppen at (314) 501-9510 for a FREE consultation


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