If you were involved in a Missouri car accident or truck accident and the reckless driver had no insurance, you may still be able to seek reimbursement for your harms and losses. The State of Missouri mandates that all automobile liability insurance policies carry what is known as “uninsured motorist” coverage. Simply put, the State of Missouri attempts to protect those who are injured by other drivers who drive without insurance. While the State of Missouri also mandates that all drivers carry liability insurance in the first place, this sadly does not always happen and you may be required to use your uninsured motorist coverage.
NOTE: Make sure to know the different between and uninsured motorist and an underinsured motorist.
When Does My Uninsured Motorist Coverage Apply?
Due the fact that the State of Missouri mandates large insurance corporations to provide uninsured motorist coverage, they certainly do not like to voluntarily inform their policyholders of this benefit. For this reason, policyholders must be aware of exactly when and what their uninsured motorist insurance provides. A Missouri or St. Louis uninsured accident lawyer can be on a great deal of assistance in these situations.
Recently a client came to my office who had several policies of insurance with his company. He had multiple vehicles, boats, trailers, and his home all insured with the same company for a long time. He was a loyal customer who regularly paid his premiums for that unexpected rainy day. When that day occurred and an uninsured motorist left him severely injured, his insurance company turned him away stating that he did not carry insurance on the vehicle he was driving when the crash occurred. Finally he decided to seek the assistance of one more St. Louis personal injury lawyer before giving up all together.
Once our firm investigated the claim, we quickly discovered that there was ample insurance for his injury. (On a side note, it is extremely important in these unique situations that you hire a Missouri accident lawyer who spends all of his time practicing only Missouri personal injury law and is familiar with these complex aspects of our system) In the State of Missouri, uninsured motorist coverage is governed by public policy and this policy leans towards providing coverage.
In the example referenced above, my client was able to apply and stack his uninsured motorist coverage from his other vehicles in order to provide reimbursement for his loss. This was a large payment for an extremely severe injury despite an initial denial from the company he thought he hired to protect him. It was a payment that his insurance company would rather not have paid. They in fact went through great lengths to try to get out paying anything. They never once advised him that it was even possible to apply and stack these benefits from his other policies. Instead they sat back and took satisfaction when his previous lawyers turned down his case, thinking they were off the hook.(His previous lawyers turned down the case because they were unfamiliar with Missouri Law in this area)
In addition to the complex scenario above, there are numerous other situations in which your uninsured motorist coverage may apply after an accident with an uninsured driver. For instance, if you do not have insurance, but are living with a family member who does and you are injured by an uninsured driver, your family members uninsured motorist coverage may be available to help you pay for your medical bills and other damages. It is best to contact a Missouri personal injury attorney to determine whether or not you are able to bring a claim under an uninsured motorist policy.
How Do I Make An Uninsured Motorist Claim?
Making an uninsured motorist claim is similar to making a regular insurance claim after a car accident, once you have established that your uninsured motorist coverage applies. Your insurance company will fight you as to the amount of damages you are entitled to, despite the fact that you have always paid your monthly premiums on time. For this reason it is important that you have legal representation capable of standing up to these large corporations. At the end of the day, a jury has the last word and you do not have to accept their offer if it does not fully reimburse you for all of your harms and losses.
Contact a Missouri Uninsured Motorist Lawyer
Following any Missouri car accident, you should immediately contact an experienced injury lawyer. An injury lawyer will fight to determine if the negligent party has any liability coverage or umbrella policies which can provide money for your loss. If indeed the driver who was at fault has no liability insurance, an uninsured motorist claim may be appropriate. Uninsured motorist claims often result in jury trials in which a policy holder must file a lawsuit to hold their insurance company accountable. In order to succeed at trial, you need a qualified Missouri uninsured motorist lawyer capable of standing up to these large companies.
To discuss you case with a qualified St. Louis accident injury attorney, call (314) 409-7060 or toll-free at 855-40-CRASH today.