Missouri Uninsured Motorist Statute Specialists
An auto insurance lawyer may be helpful if you’ve been in an accident and are having trouble with your insurance company or the other party’s insurer. Learn more here.
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Uninsured Motorist Coverage Missouri
You can meet the requirements of the Missouri insurance laws in three ways. For each type, you will always be given an insurance identification card to keep in the vehicle. (Most keep it in the vehicle’s glovebox.) You must have one of the following to own or operate a motor vehicle:
- A certificate of self-insurance for a company or religious organization issued by the Department of Revenue.
- A vehicle liability insurance coverage that meets the minimum limits of “25/50/10.” This can be obtained through any insurance agent.
- Proof of financial responsibility.
Please note that it is illegal to operate a vehicle without liability insurance in Missouri. The driver must be able to show proof of insurance to an officer or a traffic ticket may be issued. Three things could occur if you fail to show proof of insurance:
- The court may order supervision so the driver can be monitored to ensure vehicle liability insurance is being maintained.
- The court may send the information to the Driver License Bureau where it will be entered on the driver’s driving record. Four points will be assessed. Keep in mind it only takes eight points within eighteen months to lose driving privileges.
- The court may issue an order suspending the driver’s license for failing to show proof of insurance. The order is then sent to the Driver License Bureau and the driver is notified of the suspension of their license.
To avoid or mitigate these potential consequences, you should contact an attorney as soon as possible after being issued a traffic ticket for driving without insurance coverage. When you meet with our traffic ticket lawyers, we will offer legal advice and explore your options to protect your rights as a Missouri driver.
Confused about Uninsured Motorist Statute in Missouri? We can help.
What to Do in an Accident with Uninsured Motorist Missouri
If you are involved in an accident, you must stop. This is especially important because leaving the scene of an accident is a crime. The first thing you should do is move your vehicle if it will cause other drivers to have an accident. Otherwise, do not move your vehicle unless instructed to by law enforcement. These steps should be taken next:
- Help anyone who is injured; do not move them.
- Contact the police.
- Warn traffic with flares, reflectors, or flashlights if it is night or bad weather.
- Exchange information with everyone involved. This should include names, addresses, driver’s license numbers, insurance company name, and insurance coverage policy numbers.
- Do not leave until instructed by a law enforcement officer.
- If you were injured in the accident, get immediate medical help and then contact a car accident attorney as soon as possible to begin collecting evidence.
You are required to report automobile accidents that happen to the Missouri Driver License Bureau if all of the following are true:
- The accident happened less than a year ago.
- The accident involved an uninsured motorist.
- The accident caused property damage of more than $500.
- Someone was injured or killed because of the accident.
The exception to this is you may file an accident report if the accident occurred with an uninsured motorist even if none of the rest is true.
Accident Involving an Underinsured Motorist
Underinsured motorist coverage protects drivers in cases where the driver at-fault for the crash doesn’t carry enough insurance coverage. Since the driver at-fault is responsible for all the damages resulting from an accident, there may not be enough money to cover medical bills and other expenses.
If that is the case, underinsured motorist coverage may provide additional funds to cover all the damages. But, this type of insurance coverage is carried through your own insurance policy.
Underinsured motorist coverage is not mandatory under Missouri law, so many people don’t realize it is available until they are involved in a crash. On top of that, the victim often has to prove to the insurance company that the at-fault driver was, in fact, underinsured.
Being involved in an accident with an uninsured or underinsured motorist can be complicated since the victims may have to collect from their own insurance company as well as the insurance company of the driver who caused the accident. Dealing with these matters can be tricky, so you may need to reach out to a knowledgeable attorney for formal legal advice or representation.
Suing Uninsured Motorist
Is it worth it to sue an uninsured motorist following an accident? Primarily, it will depend on the driver’s ability to pay. Therefore, it is a good idea to hire an experienced personal injury lawyer who can tell you if the defendant has the assets to cover your personal injuries. If you’re wondering “Is Missouri a no fault state?“, the answer is no, so you are entitled to file a claim with your own insurance if you were injured as a result of another driver’s negligence. If you have your own uninsured motorist coverage, this should be your first resource, especially for compensation against an uninsured motorist.
The purpose of a lawsuit is to take you back to the condition you were before the accident. At Buchanan, Williams & O’Brien, our accident attorneys do not get paid until you do. Once we win, we will receive a percentage of your settlement, so you have nothing to lose by contacting us. Reach out to us today to find out more about how we can help you obtain the compensation you deserve.