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St. Louis Attorneys For Bicycle Accident Claims

Bicycling is a healthy and eco-friendly way of transportation, but unfortunately, cyclists in St. Louis face significant risks due to negligent drivers, poor road conditions, and heavy traffic. If you or a loved one has been involved in a bicycle accident, the experienced team at Missouri Injury Law Firm is here to help you secure compensation for your injuries. With our no-win, no-fee guarantee and free case review, you have nothing to lose by seeking legal advice from our skilled personal injury attorneys.

Understanding Bicycle Accidents in St. Louis

St. Louis is a bustling city, and while cycling is becoming increasingly popular, it also comes with serious risks. Bicycle accidents can happen due to various factors, including distracted motorists, poorly maintained roads, and adverse weather conditions. When a cyclist is involved in a collision with a car or other motor vehicle, the results can be devastating, leading to severe injuries or even death. These accidents are often preventable, and victims can pursue legal action against negligent parties.

Common Causes of Bicycle Accidents

Several factors contribute to bicycle accidents in St. Louis, including:

  • Distracted or Reckless Driving: Motorists texting, eating, or not paying attention can easily miss a cyclist on the road.
  • Failure to Yield: Drivers may fail to yield the right of way to cyclists at intersections or when turning.
  • Speeding: Excessive speed reduces a driver’s ability to react to cyclists, increasing the likelihood of a crash.
  • Poor Road Conditions: Potholes, debris, and lack of proper bike lanes can make cycling dangerous.
  • Dooring Accidents: A common urban hazard occurs when a driver or passenger opens a car door into the path of a cyclist.

If you’ve been injured in any of these scenarios, it’s essential to consult with an experienced bicycle accident attorney to understand your legal options.

Common Injuries After Bicycle Accidents

They can range from minor to severe, depending on the circumstances. Here are some of the most frequent injuries:

  • Head Injuries: Concussions and traumatic brain injuries (TBI) can occur, even if you’re wearing a helmet.
  • Fractures: Broken bones, especially in the arms, wrists, collarbones, and legs, are common due to falls or direct impact.
  • Road Rash: Abrasion injuries from sliding on asphalt can range from minor scrapes to deep wounds requiring medical attention.
  • Facial Injuries: Injuries to the face, including broken noses, dental damage, and eye injuries, are frequent in bike accidents.
  • Soft Tissue Injuries: Damage to muscles, ligaments, or tendons, often leading to sprains, strains, or bruising.
  • Spinal Injuries: Back or neck injuries, ranging from whiplash to more severe spinal damage, can occur in more serious crashes.
  • Internal Injuries: Blunt force trauma may cause internal bleeding or damage to organs, requiring immediate medical attention.

Seeking prompt medical evaluation after any bicycle accident is essential, even if injuries seem minor initially.

Why You Need a St. Louis Bicycle Accident Lawyer

Bicycle accidents often result in severe injuries due to the vulnerability of the rider compared to the size and speed of motor vehicles. Common injuries from these accidents include broken bones, traumatic brain injuries, spinal cord injuries, and more. Dealing with the aftermath can be overwhelming, from medical bills to lost wages and ongoing pain and suffering. This is where a dedicated bicycle accident lawyer can help.

What A Lawyer Can Do for You?

At Missouri Injury Law Firm, our bicycle accident attorneys work to:

  • Investigate the accident: We gather evidence, such as police reports, witness statements, and traffic camera footage, to build a strong case.
  • Negotiate with insurance companies: Insurance companies often try to minimize payouts. We negotiate aggressively to ensure you receive fair compensation.
  • Secure maximum compensation: Whether through settlement or lawsuit, we fight to recover damages for medical expenses, lost wages, pain and suffering, and more.

Provide legal representation in court: If necessary, we are prepared to take your case to trial to achieve the best possible outcome.

Types of Compensation You May Be Entitled To

When filing a bicycle accident lawsuit, you may be entitled to several types of compensation, including:

  1. Medical Expenses: Covering the costs of emergency care, hospital stays, surgeries, rehabilitation, and any future medical needs related to your injuries.
  2. Lost Wages: If your injuries prevent you from working, you can seek compensation for lost income, both present and future.
  3. Pain and Suffering: Compensation for the physical pain and emotional distress caused by the accident.
  4. Property Damage: If your bike or other personal belongings were damaged in the accident, you can seek reimbursement for repair or replacement costs.
  5. Wrongful Death: If a loved one was fatally injured in a bicycle accident, surviving family members may be able to file a wrongful death lawsuit to recover compensation for funeral costs, loss of companionship, and more.
Establishing Liability in Cycling Incidents

Determining who is at fault in a cycling accident typically revolves around negligence. Most incidents occur due to the careless actions of drivers, pedestrians, or even the cyclists themselves. Here are some common factors that contribute to these unfortunate events:

  • Distracted Driving: Motorists who engage in activities such as texting or using their phones are less likely to notice cyclists on the road.
  • Visibility Challenges: Bicycles are smaller than cars, making them harder to see, particularly in low-light conditions or inclement weather.
  • Failure to Yield: Many accidents happen when drivers neglect to yield the right of way to cyclists, leading to dangerous collisions.
  • Excessive Speed: Speeding reduces a driver’s ability to react quickly, increasing the likelihood of an accident involving a cyclist.

Our attorneys are skilled at collecting the necessary evidence to prove negligence and will work diligently to hold the responsible party accountable.

No Win, No Fee Guarantee: Risk-Free Legal Help​

At Missouri Injury Law Firm, we operate on a contingency fee basis, meaning you don’t pay unless we win your case. This ensures that you can pursue justice without worrying about upfront legal costs. We also offer a free consultation, allowing you to discuss your case with an experienced lawyer before making any decisions.

What to Do After a Bicycle Accident

If you’ve been involved in a bicycle accident, taking the right steps to protect your health and legal rights is crucial. Here’s what you should do: Seek medical attention: Your health is the top priority. Even if you feel fine, some injuries may not show immediate symptoms. Check for injuries and call emergency services if needed. Move out of traffic if possible but avoid moving if you suspect serious injuries. Keep all medical records for future reference. Report the accident: Call the police to report the crash and ensure an official report is filed. Avoid admitting fault or making speculative statements. Collect evidence: If possible, take photos of the accident scene, your injuries, and any property damage. Gather contact information and insurance details from witnesses and the driver involved. Consult a lawyer: Contact a lawyer as soon as possible to discuss your legal options. Our attorneys are available to guide you through this process and ensure your rights are protected every step of the way.

Bicycle Accident Statistics in St. Louis

Bicycle accidents are unfortunately common in St. Louis. According to the Missouri State Highway Patrol, hundreds of cyclists are injured or killed on Missouri roads every year. The city's busy streets and lack of dedicated bike lanes in some areas make it a dangerous place for cyclists. Motorists often fail to see bicyclists or respect their right to share the road, leading to serious collisions.

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Client Testimonials

Read what clients say about our  top rated team and services

Stacie Renz profile picture
Stacie Renz
03:01 03 Jan 26
Awesome law firm! Highly recommend. Gene Hou and his team are the best you will find. Professional, extremely smart, and caring! I can not thank them enough for helping me.
Michael Nimesheim profile picture
Michael Nimesheim
17:34 04 Dec 25
Great guy !! Knows his stuff and got me a great settlement !!
J Fraser profile picture
J Fraser
20:25 26 Oct 25
Rob is fantastic! Very informative and patient, willing to listen to your ideas and thoughts to help navigate to the best outcome!
Response from the owner 15:00 27 Oct 25
Thank you for trusting our law firm with your case! We take pride in working with our clients and listening to our clients concerns and ideas. We’re thrilled that we were able to meet your expectations!
Angela H profile picture
Angela H
23:27 23 Oct 25
My experience with Injury Law Firm has been WONDERFUL! Gene and his associates were very kind, helpful, and knowledgeable. Thank you so very much for your help!
Response from the owner 10:28 23 Oct 25
Angela, thank you so much for this wonderful review! We're absolutely delighted to hear about your positive experience with our firm.Gene and our entire team are committed to providing kind, helpful, and knowledgeable service to every client, and we're so glad that came through for you. It was truly our pleasure to assist you with your case.Thank you for trusting Missouri Injury Law Firm with your legal needs. If you ever need our help again or know someone who does, please don't hesitate to reach out!With appreciation,Gene and the Team at Missouri Injury Law Firm
Michael Lynch profile picture
Michael Lynch
15:01 19 Oct 25
They did a great job representing me against an insurance company. Highly recommend.
Response from the owner 21:18 20 Oct 25
Mike, it was a pleasure to represent you in your injury case. We value the trust you placed in our law firm and are thrilled that we were able to get you the compensation you deserve! Thank you!
Joseph Lafrance profile picture
Joseph Lafrance
20:44 16 Oct 25
I couldn’t be more impressed with Missouri Injury Law Firm. From the very beginning, their team treated me with respect, professionalism, and genuine care. They took the time to explain every step of the process, kept me informed, and made sure I understood all my options.

My attorney Gene was incredibly knowledgeable and fought hard to make sure I received the compensation I deserved. What really stood out was their dedication and attention to detail — they truly went above and beyond to make sure I was taken care of.

If you’re looking for a law firm that combines skill, compassion, and results, I highly recommend Missouri Injury Law Firm. They made a difficult situation so much easier and earned my full trust and gratitude.
Response from the owner 00:59 17 Oct 25
Joe, thank you for allowing our firm to represent you in your injury case. It was a hard fought battle, but we were confident that we would come out ahead! I’m so pleased that we met your expectations and earned your trust! Thanks again!
Roberta Stranger profile picture
Roberta Stranger
12:57 06 Aug 25
Robert E.Wann 111 dealt with a car accident my son was in and he did awesome job would highly recommend him.
Response from the owner 13:09 06 Aug 25
Roberta, thank you for your kind words! We are grateful to have the opportunity to represent your son in his car accident case. We truly appreciate your recommendation of our law firm!
Savannah May profile picture
Savannah May
18:29 05 Aug 25
I am a client of Rob’s- he has been so helpful and well worth it! I was injured in a car accident and was working full time and wasn’t available to speak with insurance agents during the day. Rob was able to speak with everyone needed, referred me to a great pain clinic, and overall made a horrible experience so much easier and less stressful. I am very happy I made the decision to reach out to Missouri Injury Law Firm.
Response from the owner 13:06 06 Aug 25
Savannah, thank you for trusting your personal injury case to our law firm! Rob takes great pride in providing the highest level of legal representation to our clients and achieving great results. We are very pleased to have met your expectations!
Gregory Turnbo profile picture
Gregory Turnbo
00:32 21 Jul 25
I came to Missouri Injury Law Firm for help with my work comp case. After 1 unsuccessful surgery with a work comp surgeon the insurance company wanted to close my case. I was still in a lot of pain & there was still an obvious problem. With Rob's help, it was determined & proven that the first surgeon missed an issue with my bicep tendon anchor. Before settling my case, Rob was able to get me in for a 2nd surgery. Without Rob's help, the work comp insurance company & case worker would have continued to try & sweep the mistake under the rug. I am very grateful for Rob & the rest of the team at Missouri Injury Law. I would definitely recommend them to anyone with a work comp injury case.
Response from the owner 14:56 21 Jul 25
Greg, thank you for trusting our law firm with your injury case! It was a pleasure working with you, and we are thrilled to have met your expectations! Thank you for your kind words and recommendation of our law firm!
Mark Buckman profile picture
Mark Buckman
15:53 17 Jul 25
J.D. Gene Hou and his team are as professional as any attorney out there. I know they absolutely care about their clients! I refer this team with a full, clean heart.
Response from the owner 21:03 18 Jul 25
Thank you, Mark. We appreciate your trust in our law firm!
Adrian Cell profile picture
Adrian Cell
15:06 26 Apr 25
Gene is a great attorney. He worked with me and was able to get me the necessary compensation from my auto accident.
Response from the owner 13:56 28 Apr 25
Adrian, thank you for allowing our firm to represent you in your car accident case! We value your trust in our law firm and are pleased that we could meet your expectations! Thanks again!
Mike Hale profile picture
Mike Hale
23:55 10 Apr 25
I got referred to Rob to be my lawyer for an accident that I was involved in that wasn’t my fault. Upon getting into the accident weeks prior of coming to rob he was still able to help out a ton. He led me to specialists that I needed, and also helped with anything else that I needed help with regarding the case. Overall an amazing lawyer to have represent your case, and will be using for any future occurrences. Thank you
Response from the owner 14:07 11 Apr 25
Mike, thank you for your kind words and trust in our law firm for your injury case! We're grateful for your business and are very happy to have met your expectations!
Vicky Goia profile picture
Vicky Goia
22:09 15 Mar 24
Gene Hou and his team are amazing people who will go above and beyond the call of duty to get the job done. I would highly recommend this law firm to define you in amy injury case. Thank you all for everything you have done in my case.
Kelley Runzi profile picture
Kelley Runzi
14:40 12 Mar 24
Gene was extremely professional, knowledgeable and friendly throughout our case. His communication and availability was top notch and were impressed with his service and team all around. Every step of our case was explained in detail and we are very happy with the final resolution.
Theresa Ackerman profile picture
Theresa Ackerman
22:06 11 Mar 24
Melanie Beville profile picture
Melanie Beville
22:21 05 Mar 24
George VanMeter profile picture
George VanMeter
14:14 14 Jan 24
Thank you, great job
Sue Busken profile picture
Sue Busken
13:50 14 Dec 23
When we had to hire an Attorney we didn't know what to expect, but we were pleasantly surprised how Rob made things easy for us and how professional he was!
Darren Stephens profile picture
Darren Stephens
14:18 20 Aug 23
EXTREMELY HAPPY!! Big $$$ incoming!!
We ended up with seriously about 3 times more than I honestly thought we’d get by the end of it! Life changing! The real deal! Not a big giant corporation that cannot remember your name every time you see them! From the moment I walked in to honestly just “shop” around for the right attorney for my situation. I could just feel the connection right away. I am usually a GREAT body and communicative analyzer, I could tell by the end of our first conversation that I’d put my life In his hands. And I did, and he did not disappoint.

I had an intrinsically more difficult case that any lawyer would have had nightmares about! Gene, Taylor, and the crew quite literally make it look like a cake walk! If you trust the process, trust in Gene as he is very professional, not pushy at all, communicative, very compassionate and down to earth! I had no idea what I was in for, being that we had to take the road less traveled on account of my situation.
Gene told me from the start that it would take a 18-36 months to get this done. I took Genes word as Bible. Did exactly as he said when he said it, “tried” not to bother them too much asking for updates (it’s so hard but he does update you if there are things to actually update on right away). Followed the plan step by step and I’m living proof that Gene and the crew will pull the impossible out of their hats given the opportunity! He’s been in this business for a long long time, knows how it works, speaks with such confidence and knowledge, that I will NEVER go anywhere else for my attorney needs. Missouri Injury law firm as a whole was such a great experience for me!!!!! Recommending to everyone I know ! Thank you Gene I owe you a bottle of wine or two !
Tesfay Adane (Tess) profile picture
Tesfay Adane (Tess)
21:20 08 May 23
Gene is an amazing person and knowledgeable attorney. He was also very kind and caring for my situation. Gene and his firm have gone above and beyond. He is very professional, courteous, and kind and will update you on your case if there is a progress. If you need an injury lawyer, call Gene.

Frequently Asked Questions (FAQs)

Being struck by a hit-and-run driver can be disorienting. Frustrating too, especially if you didn’t see much of the vehicle before it sped off. If you’re physically able, try to focus on anything you can recall—was it a dark sedan or a light-coloured truck? Did you catch part of the license plate, or maybe remember a sticker on the bumper? These tiny details might not seem like much, but they can help law enforcement narrow their search.

Call the police immediately—don’t wait. Official documentation is crucial, and it also proves that the incident was taken seriously from the start. If you need medical attention, which you likely do, get it right away. The sooner you document your injuries, the better it is for your health and your case.

Even if the driver is never identified, you might still have options. If you carry uninsured motorist coverage, that policy may step in. Not everyone realises this, but it’s designed for situations just like this—when the at-fault driver either can’t be found or lacks insurance. An attorney can walk you through that process and help protect your right to seek compensation, even when the responsible party vanishes.

Missouri generally gives you five years from the date of the accident to file a personal injury lawsuit. That sounds like a lot of time—and technically, it is—but it’s easy to lose track. People assume they’ll remember the details later, or that they can always file “when things calm down.” But evidence doesn’t wait around. Witnesses move. Surveillance footage is overwritten. Your own memory might fade quicker than expected.

If your case involves a public entity—like if a pothole caused your fall and the city was negligent—the rules change. In those cases, you may have to file a notice of claim much sooner, sometimes within 90 days. That’s a huge difference and not something most people would know without speaking to a lawyer.

So while you can technically wait, there’s not much advantage in doing so. Gathering medical records, crash details, photos, and witness information is always easier when it’s fresh. And from a legal standpoint, starting early gives your attorney more room to negotiate—or push harder, if needed. The longer you wait, the steeper the climb.

It’s not uncommon for both parties in a bicycle accident to share some of the blame. Maybe you were riding outside the bike lane, or perhaps the driver rolled through a stop sign. In Missouri, that doesn’t necessarily stop you from recovering damages.

Missouri follows what’s called a “pure comparative negligence” rule. That means your compensation is reduced based on your share of the fault. If a jury finds you 30% responsible, and your total damages amount to $100,000, you’d still be able to recover $70,000. It’s a sliding scale—not a door that shuts just because you weren’t blameless.

Of course, who decides that percentage? That’s where things get a bit murky. Insurance adjusters have their own opinions, and they often try to push more fault onto the cyclist to reduce their payout. That’s why it helps to have legal representation—someone to examine the facts, challenge assumptions, and keep the numbers fair.

You don’t need to be perfect to pursue compensation. You just need to prove that someone else’s actions contributed more to the harm than yours did. And if the evidence supports that, partial fault doesn’t cancel your right to recover.

Yes, you can still bring a lawsuit—even if you weren’t wearing a helmet at the time of the crash. Missouri doesn’t have a statewide law requiring adult cyclists to wear helmets, though some local municipalities may. But legally, not wearing one doesn’t prevent you from filing a claim.

That said, there’s a nuance worth pointing out. If you suffered a head injury, the defence might argue that wearing a helmet could’ve reduced its severity. They may use that to try and lower the compensation you receive—basically saying your own actions made the injury worse. It doesn’t always work, and it depends on the type of injury, but it’s something to be prepared for.

Still, a helmet doesn’t protect your spine, arms, or legs. It won’t stop a driver from running a red light. And if the accident was caused by reckless driving, distracted behaviour, or a failure to yield, those facts carry significant weight. Not wearing a helmet doesn’t excuse dangerous driving.

In short, your right to sue remains intact. Just know that it may affect how some parts of your case are argued—especially if the injuries involve your head.

There’s no exact formula for valuing a bicycle accident case. People often want a quick number—“Is this worth $10,000 or $100,000?”—but the truth is, it depends on a lot of moving parts. The severity of your injuries is a big one. A broken arm might lead to a few thousand in medical bills. A spinal injury? That’s a completely different conversation.

You also have to factor in lost wages. Did the accident take you out of work? Will it continue to affect your ability to earn in the future? Those losses are tangible and can be measured. Then there’s pain and suffering. That part is harder to quantify, but it’s just as real. Chronic pain, emotional trauma, anxiety about getting back on your bike—these aren’t numbers on a receipt, but they matter.

Another overlooked factor is how clearly liability can be proven. Strong evidence of the driver’s fault can improve your bargaining position. Weak or conflicting reports? That can bring the value down, even if the injuries are serious.

An attorney can estimate a range after reviewing the specifics, but most won’t give a solid number upfront—and that’s not dodging the question, it’s just honesty. The truth is, case values evolve as the evidence develops.

If a driver leaves the scene after hitting a cyclist, it’s considered a hit-and-run—and it’s a serious offense under Missouri law. For you, though, the immediate concern is figuring out what to do next. The suddenness of the situation can leave you stunned, even angry, but try to stay focused.

First, try to remember anything about the vehicle. The make, colour, a license plate number (even partial), or just a few digits. If there were any nearby cameras—traffic lights, businesses, homes—they may have captured what happened. And if someone nearby saw the crash, even briefly, that witness could become vital to identifying the vehicle.

Report the crash to the police right away. A formal report starts the process of investigation and also documents your claim for any future legal or insurance actions.

Now, if the driver isn’t found, your uninsured motorist coverage may come into play. Many people don’t realise that this type of coverage can apply to bicycle accidents as well—not just car crashes. Your attorney can help you file that claim, and if it’s denied or undervalued, they can push back.

It’s hard not knowing who hit you. But that doesn’t mean you’re out of options. The law has ways of stepping in when the responsible party disappears.

It depends, but more often than not—even with what seems like a “minor” bicycle injury—it’s worth at least speaking to a lawyer. Let’s say you were hit, got bruised up, maybe sprained your wrist, but walked away without needing surgery or a hospital stay. Seems manageable, right? The problem is, injuries don’t always show their full impact right away. That wrist might start hurting weeks later, or maybe your bike was more damaged than you realised. Sometimes the medical bills are low at first… and then the follow-ups pile on.

Then there’s the insurance side of it. If the driver’s insurance company gets involved, even a seemingly straightforward claim can get complicated. You might get a quick settlement offer—but how do you know it’s fair? They’re counting on you not having legal guidance.

Hiring a lawyer doesn’t mean you’re “making it a big deal.” It just means you’re protecting yourself in case things escalate or the injuries linger longer than expected. Some law firms even offer free consultations, so you can get an opinion before committing to anything. So no, you don’t always need one. But you might really benefit from having one in your corner.

Filing a bicycle injury claim in St. Louis—or anywhere in Missouri—can be a bit more involved than people first think. After the crash, you’re dealing with more than just your injuries. You’re trying to figure out who was at fault, whether the police report supports your side, how to deal with insurance companies… it adds up quickly.

Typically, the first step is medical documentation. That means getting treatment right away and keeping a detailed record of every appointment, diagnosis, or bill. These will become the backbone of your claim. You’ll also need evidence from the scene—photos, witness statements, or even nearby surveillance footage if it exists.

Once your attorney files the claim, there will usually be back-and-forth with the driver’s insurance provider. That can involve negotiating a settlement, providing supporting documents, or—if needed—escalating the matter to a lawsuit.

What catches people off guard is the timing. It’s rarely fast. Some claims settle within a few months. Others take longer, especially if your recovery isn’t yet complete. And that’s actually a good thing in some cases—settling too early might mean accepting less than you’re owed.

So, expect some paperwork. Expect questions. And expect the process to take time. But also, expect help. A local lawyer with experience in bicycle injury claims can take the bulk of the stress off your plate while you focus on healing.

At first glance, bicycle and car accident lawsuits might seem like close cousins—they both fall under personal injury law, involve vehicles, and usually hinge on proving negligence. But once you look closer, the differences start to show.

For one, the injuries in bicycle accidents are often more severe, even at lower speeds. A cyclist doesn’t have airbags or steel doors. So while the crash may have seemed “minor” to the driver, the cyclist could be dealing with broken bones, head trauma, or long-term mobility issues. That raises the stakes right from the beginning.

Then there’s perception. Insurance companies might argue that cyclists were harder to see, or try to claim the rider wasn’t following traffic laws. Whether or not those claims are fair, they’re common. So proving liability often requires more effort—video footage, eyewitness accounts, sometimes expert input.

You also have different dynamics when it comes to property damage. Replacing a car bumper isn’t the same as proving the value of a custom-built road bike. Not every insurer understands the cost of high-end cycling equipment.

So, yes, they both fall under “accident lawsuits,” but the legal strategy—and what’s at stake—is often quite different. Bicycle crash cases demand a more specialised approach, especially in terms of documenting injury severity and defending the cyclist’s behaviour on the road.

When a bicycle accident involves a rideshare vehicle like Uber or Lyft, the legal situation can get tangled fast. You’re not just dealing with an individual driver anymore—you’re also dealing with a billion-dollar tech company and its insurance policy, which shifts depending on what the driver was doing at the time of the crash.

Here’s how it typically breaks down. If the driver was off duty—not logged into the app—then their personal insurance is responsible, just like in any other accident. If they were logged in but didn’t have a ride yet, Uber or Lyft provides a limited liability policy that kicks in, but only if the driver’s own insurance doesn’t cover it. If they were actively picking up or driving a passenger, then the full commercial policy applies, which can cover up to $1 million in damages.

That sounds like a lot, and in theory, it should be straightforward. But in practice, you’ll likely face delays, finger-pointing, and complex insurance procedures. Proving which “phase” the driver was in at the exact moment of the crash is often a key detail.

Also, these companies don’t make it easy. They have legal teams that exist to protect their bottom line. That’s why if you’ve been hit by a rideshare driver, it’s smart to work with an attorney who knows how to deal with these platforms. You’ll need someone who can chase down driver logs, negotiate with multiple insurers, and make sure you’re not pushed aside in a complicated claims system.