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Help! I Was Hit By an Uninsured Motorist

May 20, 2018

Car accident are incredibly costly. From vehicle damages to medical bills and beyond, a car accident can drown you in financial obligations if you aren’t covered by an insurance policy. But what happens if you have a current insurance policy but are hit by an uninsured motorist?

You could find yourself in a very difficult and expensive situation! This guide will help you navigate the complications in order to protect yourself and find a legal resolution.

What Does Missouri Law Require?

Any resident of Missouri is required to be covered by liability insurance with a minimum coverage of $25,000 per individual and $50,000 per accident. If only the minimum insurance exists, then a single individual is unable to recover more than $25,000 from the insurance of the person at fault. If multiple people are involved in the crash, insurance cannot pay out more than $50,000 to cover all injuries and damages.

The Most Common Problem After a Car Accident

Many people in Missouri don’t carry liability insurance despite it being required. Many of those who do have insurance only carry the minimum policy, which creates situations where there are multiple serious claims against one driver and a lack of appropriate insurance to cover all of the claim. In such instances, injured individuals are often forced to walk away with only a portion of the claim they really deserved.

Handling an Uninsured or Underinsured Motorist Issue

If you find yourself involved in an accident in Missouri with a driver who lacks proper insurance, you have legal options other than accepting your minimal amount of compensation dealing with the consequences.

First, your own uninsured motorist policy can fill the gaps in order to provide you with additional compensation. You are required to carry uninsured motorist insurance coverage for a minimum of $25,000 per individual and $50,000 per accident. This could potentially double the amount of compensation you are able to receive after an accident. If you carry a very high uninsured motorist policy, like a $100,000 policy, then you have extra protection.

It is also very important to contact a personal injury attorney like Attorney Swaney at Swaney Law Firm in St. Louis to seek legal counsel. Attorney Swaney has decades of experience challenging car insurance companies to get his clients the compensation they deserve. Call (314) 310-8373 today to schedule your free consultation today.