What Happens if You Are Involved in an Auto Accident With an Uninsured Motorist
When you are driving, you may assume that everyone is carrying it insurance, since this is the law. If so, you are greatly mistaken. Unfortunately, are times when people take to the road without the proper insurance to cover themselves and others in the event that an accident occurs.
Being fully insured isn’t about just having the mandatory minimum insurance. The required minimum in Missouri means that you have to have a policy that will cover any bodily or property damage to another driver, called liability insurance. If a car accident occurs and the driver at fault isn’t carrying the proper insurance, you could be left vulnerable with no recourse.
To be fully insured, it is maybe a good idea to talk to your insurance carrier to find out what additional coverage you can add to cover you in extenuating but very possible accidents.
Uninsured and underinsured coverage is something that you might want to add to your policy to make sure you are protected. Just a little extra cost will ensure that if you are hit by someone who doesn’t have the proper insurance, you can still recover your damages. Uninsured motorist coverage will take over if a motorist isn’t insured when they hit you.
Underinsured motorist coverage is an additional policy that will cover you if your damage goes beyond the maximum of the other driver’s policy.
Even if a driver has the mandatory minimum coverage as determined by the state, there is still the possibility that your costs could far outweigh what their maximum is. You generally only have one recourse, if that happens: file a personal injury lawsuit.
This is why taking out both underinsured and uninsured policies is a great way to protect yourself in any situation. They are an essential tool to ensure that you have more than the bare minimum and that if something significant goes wrong, you have the insurance to cover yourself.
If you are involved in an accident with an uninsured or underinsured motorist, you might have other options. It is highly recommended that you speak with an experienced St. Louis car accident attorney to help you navigate the legal process and to recover for your loss, damages, and injuries.
If you’ve been injured in an accident, it important to understand that insurance companies are for-profit and therefore will be looking for ways to minimize the amount they have to pay out. Speak with an experienced attorney to ensure that you do not settle for less than you are legally entitled to.