If driving wasn’t hazardous enough, the issue of uninsured and underinsured motorists can make things downright treacherous.
A staggering 16% of all drivers in Missouri are uninsured, according to a recent study by the Insurance Information Institute. These drivers don’t carry any insurance at all, and if you are involved in a car crash with them, it can be difficult to recover compensation to pay for auto repairs, medical bills and time away from work.
Even if the other driver does have some insurance, it may not be enough to cover all of your damages. In Missouri, the minimum amount of liability insurance required by law is $25,000 per person and $50,000 per accident. But if you’ve been in a serious car crash, those amounts may not even come close to covering your losses.
If you carry uninsured motorist (UM) coverage on your auto insurance, you might be able to recover compensation by making a claim against your own insurance.
As we mentioned above, it can be difficult to recover compensation after a collision with an uninsured or underinsured driver. To protect yourself from this, you can purchase uninsured motorist (UM) coverage with your auto insurance policy.
UM coverage protects you if you are in an auto accident with an uninsured driver.
UM coverage can help pay for:
Uninsured motorist coverage is usually included in standard auto policies, and it is mandated by state law in Missouri, but you can also buy it as a separate policy.
If you have uninsured motorist coverage, you can file a claim with your own insurance company to recover compensation for your damages, up to the limits of your policy.
You can use uninsured motorist coverage if you are in a car accident with an uninsured driver.
Or let’s say you are hit by a driver who doesn’t have any insurance at all. In this case, you could make a claim under your uninsured motorist coverage to recover compensation for your damages.
Or, finally, let’s say you are involved in a hit-and-run accident with a driver who flees the scene of the accident and is never found. In this case, it’s unknown whether the other driver had coverage, but you are eligible to make a claim against your insurance as if the other driver was uninsured.
If you’ve been involved in a car crash with an uninsured driver, and you have uninsured motorist coverage, you can file a claim against your own policy.
When you make a UM claim, your insurance company will pay for your damages, up to the limits of your uninsured motorist coverage. In Missouri, the minimum amount of uninsured motorist coverage that you can purchase is $25,000 per person and $50,000 per accident.
It’s important to note that if your damages exceed the limits of your UM coverage, you will be responsible for covering the difference.
If you or someone you love has been involved in a car crash with an uninsured or underinsured driver, call the St. Louis car crash attorneys at Niemeyer, Grebel and Kruse today. Contact us, Let’s discuss your case together and work to get you the compensation you deserve. You can reach us at 314-241-1919.
If you were involved in a car accident with an uninsured motorist, the process of filing a claim with your car insurance company typically follows these steps.
If you’ve been in a car crash with an uninsured or underinsured driver, you may be entitled to compensation through your uninsured or underinsured motorist coverage.
However, dealing with insurance companies can be complicated and frustrating. And if your damages exceed the limits of your UM coverage, you may need to take legal action in order to get full compensation for your losses.
An experienced car accident attorney can handle all aspects of your case, from dealing with the insurance company to filing a lawsuit, if necessary. This allows you to focus on recovering from your injuries and getting on with the rest of your life.
At NGK Law, we have over 50 years of combined experience representing car accident victims in Missouri. We know what it takes to get results.
If you’ve been involved in a car crash with an uninsured or underinsured driver, don’t try to deal with the insurance company on your own. Call us today for a free consultation at 314-241-1919. We’ll review your case and help you understand your legal options.
The amount of money you can recover from your uninsured motorist claim will depend on the severity of your injuries and the damages you’ve incurred.
In general, you may be able to recover compensation for medical expenses, property damage, lost wages and pain and suffering. If your injuries are serious, or if you’ve lost a loved one in a car accident, you may be entitled to additional compensation.
The experienced car accident lawyers at NGK Law can help you determine the value of your claim and fight for the full amount of compensation that you deserve.
Niemeyer, Grebel and Kruse is a personal injury law firm that provides legal representation to car accident victims in Missouri. With a 98% client success rate and more than $700 million recovered for our clients, we have the experience and knowledge necessary to get the results you deserve.
Uninsured motorist (UM) coverage is a part of your auto insurance policy that provides protection if you’re in an accident caused by a driver without insurance. It can help cover medical bills, vehicle repairs, and lost income resulting from the crash. Missouri law requires this coverage to be included in standard auto insurance policies, ensuring some level of protection against uninsured drivers.
You can use UM coverage when you’re in an accident with an uninsured driver, such as in a hit-and-run incident where the responsible party isn’t identified. It steps in to cover your damages when the at-fault driver cannot.
Underinsured motorist (UIM) coverage comes into play when the other driver has liability insurance, but their coverage limits are insufficient to fully compensate for your losses. This additional protection helps cover the remaining expenses not paid by the at-fault driver’s insurance.
To file a UM claim, you’ll need to collect evidence, such as photos of the crash scene and contact information for any witnesses. Obtain a copy of the police report, document your medical treatments, and gather proof of damages, including repair estimates and wage loss records. Notify your insurance company to start the claims process and work with the adjuster to reach a settlement.
A skilled attorney can negotiate with your insurance company, gather compelling evidence to support your claim, and ensure you’re treated fairly. If a settlement cannot be reached or your damages exceed policy limits, a lawyer can pursue litigation on your behalf. This allows you to focus on recovery while your legal team fights for your rights.
Depending on your case, you may recover compensation for medical expenses, vehicle repairs, lost wages, and non-economic damages like pain and suffering. If the accident resulted in serious injuries or a fatality, additional compensation might be available.
If you’ve been involved in a car crash with an uninsured or underinsured driver, we can help. Contact us, Don’t wait to get started on your case. Call us today for a free consultation at 314-241-1919.
Our attorneys have handled thousands of cases and can bring that experience to bear throughout your case.
We have successfully recovered over $700 million for our clients.
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Our team is available 24/7 to address your concerns and provide support.
Trust us to get you through the frustrating process of seeking compensation with empathy, respect, and dedication.
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