Detailed Explanation
All drivers in Missouri are required to follow the law and obtain the correct auto insurance coverage that at least meets state minimums. Unlike some states, Missouri is one that requires uninsured motorist (UM) coverage for bodily injury. This doesn't cover property damage, which is a separate optional coverage you can add.
Understanding uninsured motorist claims in Missouri is essential, and how much uninsured motorist coverage protects you will all depend on how serious the accident was and the limits of your policy. If you got into a serious accident and suffered extensive injuries, the limits of your policy can easily be exceeded by medical bills alone.
The Bruning Law Firm helps St. Louis car accident victims understand their rights and options under Missouri personal injury law. Our attorneys can investigate to determine if the at-fault uninsured driver has any assets. Property or even a solid job with wages that can be garnished could be collected against. In the event this person has nothing, your own UM coverage will take care of your damages.
Related Considerations
What is the “No Pay, No Play” law in Missouri?
Missouri law says that if you are driving without any insurance and you get hurt by another driver, you do not get to recover non-economic damages. These are the intangible losses experienced in a crash, like pain and suffering. A car accident attorney in St. Louis can explain how this impacts your case.
Can I sue the driver if I already filed a UM claim?
It's good to know what happens if the other driver has no insurance in Missouri. That said, you can file a UM claim with your insurance and sue that negligent driver who got you into this mess. If your damages go beyond your UM coverage limits, it is a good idea to file a lawsuit for the remainder. However, it is best to work with a St. Louis car accident attorney who can help maximize your compensation and work to minimize subrogation from the insurer to any money you get from that at-fault driver.
What does uninsured motorist property damage cover in Missouri?
Uninsured motorist property damage pays for your vehicle repairs or replacement when the driver who damaged your vehicle has no insurance. This is an optional coverage unlike UM coverage that is mandatory. If you don't have it, you will not be compensated for your property damage if the at-fault driver isn't insured. Learn more about whether uninsured motorist coverage covers hit and run accidents.
Get Help: Contact The Bruning Law Firm
The Bruning Law Firm helps injured victims with their St. Louis car accident cases to recover the money they deserve. There is no fee unless we win, so call (314) 735-8100 today to schedule a free consultation with our St. Louis lawyers for accidents with uninsured drivers.