On November 7, 2013, Johni Brown was seriously injured while riding as an occupant in a 2012 Honda CBR 1000 being driven by Christopher Hill. Willard Missouri resident Christopher Brown, was driving northbound on Beach Blvd in Rockaway Beach, Missouri. As a result of the crash, Springfield resident Johni Brown was rushed to Cox South Hospital in Springfield for the treatment of her injuries. The Missouri State Highway Patrol is reporting Ms. Brown’s injuries as serious at the present time.
It is important to recognize that that single car accidents are often caused by other unidentified vehilces who leave the scene. Often there is not even any contact between the vehicles. In the State of Missouri, if you are forced to swerve to avoid another vehicle and this action causes you to crash, you have the right to bring a claim for uninsured motorist benefits, even if you are unable to locate the other driver. The State of Missouri deems this type of accident to be one which involves what is called a ‘phantom motorist’, and your injuries may be covered under your insurance policies uninsured motorist coverage.
When talking with individuals about this type of accident and coverage, many people think that because they only have liability coverage, they do not have uninsured motorist coverage. However, it is illegal in the State of Missouri for an insurance company to sell liability insurance coverage unless it contains at least $25,000 of uninsured motorist coverage. This type of coverage does not cover injuries which result if you swerve to miss a dear or other animal, only if the crash was caused by an unidentified driver. You can also bet your insurance company will not voluntarily tell you about this benefit of yours.
In a case such as this, it will all depend on the cause of the crash. If the driver of the vehicle is at fault for the wreck, the passenger will be able to seek reimbursement for her loss from the driver’s insurance company. However, if another unidentified vehicle was the cause of the car accident, both the driver and occupant may be able to seek uninsured motorist benefits for their medical expenses, lost wages, pain and suffering, scarring, and other harms and losses.
For more legal advice contact a top personal injury lawyer for a FREE consultation about your legal rights. Springfield injury lawyer Chris Dixon is available to discuss your case 24 hours a day, 7 days a week by calling (314) 409-7060, or 855-40-CRASH (toll free). Chris has helped recover over $34,000,000 for injury victims and the families of those wrongfully killed.