When an insurance carrier cited comparative fault and Missouri’s “no pay, no play” law to justify a “final” offer of just $13,370.39, Schmittgens Injury Law Firm refused to accept the undervaluation. Our legal team brought in a medical expert to provide a detailed projection of the client’s future medical needs, directly countering the carrier’s position. The strategy worked quickly: within seven days of receiving the expert’s report, the insurance company abandoned its “final” offer and agreed to pay the full $50,000 policy limit. This case demonstrates how expert testimony can overcome adverse police reports and statutory defenses that insurance companies use to limit payouts to Missouri accident victims.

Successfully countered Missouri’s “no pay, no play” statute and comparative fault allegations.
Increased a “final” offer of $13,370.39 to the full $50,000 policy limit.
Used expert medical projections to substantiate long-term damages and future care costs.
Achieved a full policy tender within one week of presenting new expert evidence.
Highlights the value of expert testimony in overcoming an unfavorable police report.

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Testimonials

    
 
 
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   Chelsea J 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Rob for personal injury representation! He was personable, professional, and resolved our case with impressive speed. We are very grateful for his help!
  
 
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   Ben L 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t recommend Rob Schmittgens highly enough. If you have any legal questions or need trusted guidance, he is absolutely the person to call. Rob is honest, straightforward, and incredibly knowledgeable—he tells you exactly what you need to hear, not just what you want to hear. What sets him apart is his integrity and professionalism. He genuinely cares about his clients and takes the time to make sure you fully understand your options. In a field where trust is everything, Rob is the real deal. Simply put, he’s the best in the business. I would recommend him without hesitation.
  
 
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   Angela C 
 
 
 
 Trustindex verifies that the original source of the review is Google. I love how one-on-one Rob is. Being consistent, considerate, and compassionate he accommodated my feelings and my time.  Having someone to advocate for you when you need it is most important, with all the while treating you fairly. Very good with communication and overall validation.
  
 
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   Howard M 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Rob Schmittgens highly enough. As an attorney myself, I’ve had the privilege of working closely with Rob on cases, referring clients to him, and watching his growth over the years into the exceptional lawyer he is today. What sets Rob apart is not just his legal skill—though he is sharp, strategic, and relentlessly effective—but the way he genuinely cares about the people he represents. Rob approaches every case with intention. He listens, he communicates, and he makes sure his clients feel supported and understood at every stage of the process. At the same time, he brings an aggressive, results-driven mindset when it matters most. He knows when to be compassionate and when to push, and he strikes that balance better than almost anyone I’ve worked with. Trust is everything in this profession, and Rob is someone I trust implicitly—with my clients, with my cases, and with my own reputation. That’s not something I say lightly. If you’re looking for an attorney who is not only highly capable but also deeply committed to doing right by you, Rob is exactly who you want in your corner. On top of all of that, Rob is just a genuinely great guy. He’s the kind of person you enjoy working with, the kind of lawyer you want on your team, and the kind of friend you’re lucky to have. He’s also a fantastic dad, which says a lot about who he is at his core. And, of course, I’d be remiss if I didn’t mention that he’s very lucky to have met me—but in all seriousness, I’m the one who feels lucky to know him.
  
 
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   John B 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was injured in an auto accident that ended up totalling my car. The insurance company wasn't even offering enough for me to fully replace the vehicle on top of the fact that I needed to go be seen by a doctor and have treatments to repair my injury. I talked to Rob who was able to walk me through the process of making sure the insurance company compensated me for all of these issues. I chose his firm to represent me and in a very short periood of time he was able to settle with the insurance company so that I was able to purchase a replacement vehicle, covered all of my medical expenses and was able to reduce the medical costs to put money back into my pocket.  I highly recommend using Schmittgens Injury Law Firm. They will treat you right and have your best interest represented.
  
 
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   Matt K 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very personable, communicative and Rob delivered. Highly recommended
  
 
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   Kim G 
 
 
 
 Trustindex verifies that the original source of the review is Google. The firm is very professional, always answered my calls and explained everything in detail really appreciate the professionalism will definitely use you again if needed
  
 
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   Julia K 
 
 
 
 Trustindex verifies that the original source of the review is Google. I contacted Rob about a potential case, and he thoroughly answered all of my questions and helped me figure out a complicated situation. I would highly recommend Rob and his firm if you are in need of legal services and are looking for a knowledgeable and professional attorney!

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