Every driver in Missouri is supposed to have the state minimum $25,000 liability policy. This minimum is often not enough to cover injuries suffered in a serious car accident. Even worse, many car accidents are caused by drivers who don’t have any insurance at all.
If you have been in an accident with an uninsured driver, you may still get paid for your injuries, if you have car insurance. Most automobile insurance policies have what is called “Uninsured Motorist Coverage,” which pays compensation to people injured by uninsured, negligent drivers.
If you have this coverage in your auto policy and are injured by an uninsured driver, you are entitled to uninsured motorist benefits, up to the policy limit for such benefits. Twenty-one states (including Missouri, Illinois, and Kansas) require insurance companies to include uninsured motorist coverage in their policies.
The damages covered by the uninsured motorist provision depends on the policy. Most uninsured motorist clauses include “Uninsured Motorist Bodily Injury Coverage”, which includes your medical expenses, lost wages, and other personal injury related expenses in an instance where the negligent driver is not insured.
Two types of persons may be considered “uninsured” under an uninsured motorist policy:
- Drivers who do not have insurance, and
- Unidentified hit and run drivers.
Some states recognize other uninsured drivers, such as drivers that do have insurance, but the amount of that coverage is less than the victim’s uninsured motorist coverage.
Without insurance driver bodily injury insurance policy (UM or UMBI) covers you, the insured members of your family (resident loved ones) and also your passengers for bodily/personal injuries, problems, or fatality caused by an at-fault motorist that does not have insurance (without insurance) or, in some states, by a hit-and-run or miss-and-run chauffeur.
These protections likewise typically protect you and your insureds when riding in someone else’s vehicle, riding a bicycle or are a pedestrian.
Uninsured vehicle driver residential property damages (UMPD) covers your automobile, up to your picked limitations, if you are struck by an uninsured chauffeur.
Without insurance driver insurance coverage becomes part of a vehicle insurance policy that assists spend for your clinical bills or car repair work if you’re hit by a vehicle driver who doesn’t have cars and truck insurance.
Usually, when you remain in an accident and also the various other chauffeur is at fault, his/her vehicle obligation protection would certainly assist pay for your clinical costs or repair services to your vehicle. However, if the at-fault chauffeur doesn’t have car insurance, you might need to pay out of your own pocket for those expenditures. That’s where uninsured motorist insurance coverage might assist.
We recently recovered uninsured motorist benefits for a client who was injured when he collided with a vehicle that had been abandoned at night on an interstate highway in St. Louis. The driver and occupant of the abandoned vehicle had been drinking and got into an argument. The passenger grabbed the wheel and caused the vehicle to crash into the median.
The intoxicated driver and passenger fled the scene leaving the vehicle in a driving lane where the vehicle was struck by our client. Thankfully, our client was not killed in the collision. But, our client was injured, and we filed suit to enforce his rights.
The passenger was considered a driver of the vehicle because he grabbed the wheel, and there was no evidence that he was insured. We brought a workers’ compensation claim for our client because he was injured while driving in the course of his employment. We also sued the driver of the vehicle and our client’s uninsured motorist carrier on account of the uninsured passenger who grabbed the steering wheel. The claims resolved successfully and we were able to recover uninsured motorist benefits for our client.
If you have been in a car or truck accident, give us a call. We will review all available insurance to make sure you receive all of the compensation you are owed.
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We have over 40 years of experience helping individuals who have been injured by the negligence or wrongdoing of others. Take action if you or a loved one has been harmed by someone’s negligence and call Buchanan, Williams & O’ Brien today. You deserve someone you can trust to fight for your rights. You deserve BWO). We are aggressive, zealous advocates for our client’s rights and we are always working hard to achieve the best possible results. We have the experience and resources to take your case to trial if necessary to maximize your healing.
Hire BWO to help you with your personal injury and work comp litigations. At BWO, you do not owe us a dime until we get money for you. Other types of cases are generally billed on a by the hour basis. We are confident we can help you so contact us now. If you have been hurt and need assistance, let BWO help you. Remember when it comes to personal injury and works comp, no money for you, no fee for us.
BWO has the experience you need to get the results you want. Missouri is the Show-Me State where activities speak louder than words. Consequently, you will not owe us a dime unless we recover money for you. So speak with us now because you have nothing to lose. Health center and home visits are available.
It’s concerning that one in seven vehicle drivers is currently uninsured. There’s a one-in-seven chance you could be responsible for spending on the problems to your automobile after a crash caused by an uninsured driver, either with a crash insurance claim or out-of-pocket. If this provides you cause for issue, take into consideration adding without insurance coverage to your policy.
You must ask yourself whether you are comfortable with danger as well as exactly how positive you remain in your ability to pay damages out-of-pocket if an auto crash were to happen. If you drive a high-end car, you might not be as happy to risk out-of-pocket settlements as a person with an older possessed vehicle. Consider your economic situation prior to bypassing uninsured driver insurance coverage.
Relying on your preference as well as your state, you can elect to lug one or carry both. In regards to buck worth constraints, it is recommended to have your liability restrictions as well as you are without insurance driver restrictions match. Most specialists advise maintaining liability limitations on your insurance coverage at 100/300.