You’ve just been involved in a car crash. Your heart is pounding. You’re rattled, and then you hear it from them—the other driver—you don’t have insurance. Or you don’t have enough of it. It’s like reliving the crash again at that moment, but this time emotionally.
Here’s the reality: these types of situations happen more frequently than you might realize. As determined by the Insurance Research Council, there is a significant number of American drivers who are uninsured. Missouri is no exception to that particular average. If that other driver who struck you does not have the insurance you require, you might find yourself paying for your own medical expenses, repairs, and so much more—unless you learn how to protect yourself.
That’s where I come in. I’m a Personal Injury Attorney in Springfield, MO, and I’ve assisted many clients who were caught off guard by an uninsured or underinsured driver. So, let’s cut through the jargon here. Remember, you’re not alone in this. Seeking legal counsel can provide you with the support and guidance you need during this challenging time.
Handling Uninsured Drivers After An Accident
What Exactly Does “Uninsured” or “Underinsured” Mean?
When we use the term “uninsured,” we’re referring to a driver with absolutely no insurance coverage. That is illegal in Missouri, but it still occurs. However, it’s important to remember that you have rights in this situation.
“Underinsured” motorists do have coverage but are insufficient to pay for the full cost of the damages they inflicted. Let’s say they only have the minimum mandated liability insurance, and your hospitalization costs are higher; guess who’s left scrambling to make up the difference?
You.
What do I do if an uninsured motorist hits me in Missouri?
The first thing is to phone 911 to report the accident and summon medical help if necessary. Next, document as much information as you can: the other driver’s information (if they provide it), pictures of the scene, witness contact information, and your written description of what occurred. Even if the driver has no insurance, you’ll need this paperwork for your insurance claim—and potentially for legal proceedings.
Next, report the accident to your insurance company, but don’t consent to a recorded statement without getting legal counsel first. Some of the things you say upfront can be used as ammunition against your claim.
Your Best Defense: Uninsured Motorist Coverage
Here’s something most folks forget: Missouri law mandates that your auto policy carry uninsured motorist (UM) coverage. This ensures you when the at-fault driver doesn’t have any insurance at all. It pays for things like medical bills, lost wages, and more based on your circumstances.
If your insurance policy includes underinsured motorist (UIM) coverage—which isn’t required but is highly recommended—you may be able to tap into that after the other driver’s policy maxes out.
The catch? Insurers don’t always make this a breeze. You may end up chasing down paperwork and battling denials while you ought to be recovering. That’s when you call a lawyer who is familiar with the ins and outs of these claims—someone who will battle on your behalf to secure what you are entitled to.
Can I sue an uninsured driver for damages in Missouri?
Yes, you have the right to sue the uninsured driver, but getting your hands on the cash is not so easy. Uninsured drivers tend to own little property, so even if you prevail in court, you may never receive the money. That’s why I always check for other insurance coverage available to you first—such as your UM or UIM coverage—before heading down that path.
When Do You Call a Lawyer?
Immediately. Seriously.
That’s why each case is unique, and your own insurance company isn’t necessarily looking out for you. If they’re able to cut down or slow your claim, they’ll probably do it. But if we step in early, we can take that weight off your shoulders. We will negotiate with the insurer, document all the things they’re going to try to get away with, and even push back when adjusters get sneaky.
As Springfield Personal Injury Attorneys trusted by locals, we’ve encountered nearly every trick insurers play. Our mission? To ensure you receive what you require to move on—without getting taken for a ride.
That’s why using your insurance coverage and having the proper legal assistance usually is the better option. I’ll assist you in examining all your options and lead you to the best choice for your case.
How is uninsured motorist coverage in Missouri structured?
UM coverage steps in when the other party has no liability insurance. It pays your medical bill, lost wages, and even pain and suffering to your policy limit. This is included in your auto policy, and it’s compulsory in Missouri. If your damages are over that, we can consider stacking policies or looking into UIM if possible.
Can You Still Sue the At-Fault Driver?
Technically, yes. But come on—if someone is uninsured, odds are they don’t have much in the way of assets either. You can win a lawsuit, but collecting on it might be a different story.
That’s why using your insurance coverage and having the proper legal assistance usually is the better option. I’ll assist you in examining all your options and lead you to the best choice for your case.
Here’s What You Need to Do Next
Don’t hesitate. The earlier you seek legal counsel, the better. Early intervention can significantly impact the outcome of your case.
Keep a record of everything. Photos, medical bills, and repair estimates all contribute to your case. These records can be crucial in building a strong case for your claim.
Don’t unquestioningly trust the insurance company, even your own. It’s essential to exercise caution and protect your rights when interacting with insurance companies.
If you’re facing injuries and bills following a collision with an uninsured motorist, you’re not the only one. As a Springfield Personal injury lawyer, I’m here to ensure that you don’t bear that burden alone.
At Rah Law, we understand how heartbreaking these accidents can be—not only physically but financially and emotionally as well. That’s why we’ve established ourselves as the Springfield Personal Injury Lawyer individuals contact when they need honest answers and honest assistance.
Let’s discuss. Your initial consultation is always complimentary, and you’ll know precisely what to do next.
In need of assistance immediately? Call +1(417)512-2333 Rah Law—the trusted partner for uninsured driver claims and significant injury cases in Springfield, Missouri.
