A car accident involving an uninsured motorist can leave you facing unexpected challenges, especially in Missouri, where laws and insurance requirements often create confusion. Protecting your right to fair compensation requires prompt action and a clear understanding of the steps involved. Missouri’s uninsured motorist laws provide specific protections, but dealing with these laws without guidance can delay or limit the resolution of your claim.
The attorneys of Goza & Honnold help individuals who have been injured by uninsured motorists recover what they need. Our experienced attorneys evaluate your case, explain your legal options, and build a strong strategy tailored to your circumstances.
Missouri’s Uninsured Motorist Laws
In Missouri, the law mandates that all drivers must carry a minimum amount of liability insurance. However, many drivers remain uninsured or underinsured. If you are involved in an accident caused by an uninsured driver, your own insurance policy can provide coverage for bodily injury and property damage, ensuring you are not left without recourse. Missouri law requires insurance companies to offer uninsured motorist insurance, allowing you to make a claim even when the at-fault driver lacks proper coverage.
When you face an accident with an uninsured motorist in Missouri, your rights hinge on the insurance policy you hold. If you have purchased uninsured motorist insurance, it can serve as a safety net when seeking compensation for damages incurred. Importantly, Missouri law also stipulates that your insurance provider must inform you of the available uninsured motorist coverage options.
Steps to Take Immediately After the Accident
Immediately following an accident with an uninsured driver, it is important to prioritize safety and gather necessary information. Begin by checking for injuries and ensuring that all parties involved are safe, then promptly contact local law enforcement to report the accident. The police will create an official report, which you need a copy of for your insurance claim and any future legal actions. Collect contact information from witnesses and document the scene with photographs.
Once you have ensured safety and reported the accident, exchange insurance information with the other driver, if possible. Seek medical attention for any injuries, even if they seem minor, as some injuries may not manifest immediately after an accident. Having medical records will not only aid your recovery but also support your claim for compensation. The sooner you document the details of the accident, the stronger your case will be when you file a claim with your insurance provider.
How Uninsured Motorist Coverage Works in Missouri
Uninsured motorist coverage in Missouri serves as a financial safety net for drivers involved in an accident with an uninsured or underinsured motorist. This type of coverage is typically included in a comprehensive car insurance policy, allowing you to file a claim for damages up to the limits set in your policy. If an uninsured driver causes an accident, your uninsured motorist insurance can cover medical expenses, lost wages, and pain and suffering resulting from the accident.
In Missouri, uninsured motorist coverage is not only a protective measure but also a legal requirement for insurance providers to offer. When you are involved in an accident with an uninsured motorist, your insurance provider will assess your claim based on the details of the incident and the policy limits. This process may involve negotiations with your insurance company to ensure you receive adequate compensation for your injuries and property damage. Familiarizing yourself with your policy’s terms and limits can help streamline your claim process and mitigate the stress of dealing with the aftermath of an accident.
Filing a Claim Against Your Own Insurance Policy
When you find yourself involved in an accident with an uninsured driver, file a claim against your own insurance policy. To initiate the process, contact your insurance provider as soon as possible to report the accident and provide them with all relevant information, such as the police report and any documentation of damages or injuries. Your insurance company will guide you through the claims process, including any required forms or information they need to assess your case.
As you file a claim, be prepared for your insurance provider to conduct their investigation into the accident. They may review the police report, assess medical records, and evaluate any evidence you’ve collected, such as witness statements or photographs of the scene. Being organized and prompt with your documentation will help support your claim and can potentially expedite the process. If complications arise during the claims process, such as disputes over liability or coverage limits, it may be wise to consult a car accident attorney who can assist you in navigating these challenges effectively.
Exploring Other Avenues for Compensation
While uninsured motorist coverage can provide some financial relief following an accident with an uninsured driver, it is important to explore other potential avenues for compensation. Depending on the circumstances of your accident, you may also pursue a claim against the uninsured driver personally, although this can be challenging if they lack assets or resources. In some cases, third-party claims, such as those against a rental car agency or a vehicle manufacturer, may also be appropriate if their negligence contributed to the accident.
Schedule a Consultation With a Personal Injury Attorney
If you have been injured in an accident caused by an uninsured driver in Missouri, schedule a consultation with a personal injury attorney as soon as possible. Many attorneys, including those at Goza & Honnold, offer free consultations to assess your case and discuss your options.
A skilled personal injury attorney will advocate for your best interests. Call us at (913) 451-3433 or use our contact form.
Goza & Honnold, a trusted personal injury law firm serving Missouri and Kansas, is known for our dedication to client advocacy and trial excellence. With a strong focus on auto accidents, medical negligence, and product liability cases, our experienced attorneys work diligently to secure fair outcomes while being fully prepared to take cases to trial when necessary. We work closely with our clients to build strong cases that reflect their unique experiences.