Insurance companies know that people who’ve been injured in accidents often need money fast. They might offer you money soon after your accident, even going so far as calling or visiting you while you’re in the hospital. Attorneys in Missouri are not allowed to do this. Missouri attorneys are not permitted to have personal or real time contact with prospective clients the attorney knows to have need of representation in a particular matter for purposes of obtaining employment Mo. Sup. Ct. Rule 4-7.3(a), and cannot contact a person in writing regarding a claim involving accident or disaster within 30 days of the occurrence. Rule 4-7.3(c)(4). It is therefore likely that you’ll hear from the insurance company before you’ve had a chance to talk to an attorney about your case.