St. Louis Uninsured Motorist Accident Lawyers
Getting into a car accident is stressful enough as it is. Getting hit by an uninsured motorist, though, will only spike the stress levels even more. What are you supposed to do if an uninsured motorist crashes into you, causing harm and vehicular damage?
The simple solution is pick up the phone and call (314) 485-4005 to connect with Cantor Injury Law, LLC in St. Louis. Our car accident attorneys are highly experienced in all things related to car accident claims filed in Missouri, including tricky uninsured motorist accident claims. You can trust in us to be your legal guides for the road ahead, taking the stress of the situation right out of the equation.
Free initial consultations are available. Contact us at any time.
What Does Your Uninsured Motorist Coverage Do?
In Missouri, you are required to purchase and carry current uninsured motorist insurance (UM) as part of your car insurance policy. This is part of your car insurance you probably never gave any mind until now when you need it.
In Missouri, your UM insurance coverage must meet these minimums:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
When you are hit by a driver who has no insurance – which is illegal – you cannot expect them to hand over the money you need to recover from your accident. Instead, your uninsured motorist insurance coverage from your own insurance provider is supposed to kick in and provide coverage, up to the policy limit. We often recommend buying as large of a UM insurance policy as you can reasonably afford since it is so crucial after an uninsured motorist car accident. If for any reason your own insurance company is trying to undervalue your UM claim, or they are outright denying your benefits, our UM accident attorneys in St. Louis can step in and help ensure you are given the damages you deserve.
Hit & Run Drivers & UM Insurance Policies
Were you struck by a hit and run driver who left the accident scene before you could exchange identifying and insurance information? While this is unfortunate, you are not entirely out of luck when filing your claim. Your uninsured motorist insurance policy should be used by your insurance provider in hit and run driver accidents. Given that you cannot identify the person who crash into you, it is technically the same as if they had no insurance whatsoever.
Useful steps to follow after being in a hit and run accident:
- Call the police: The first thing you should do is call the police to let them know there has been an accident caused by someone who is driving illegally. This is something you should do after an accident with any uninsured motorist. The police have the ability to safely remove the negligent driver from the road and prevent any further uninsured motorist accidents from hurting other people.
- Look at key details: Try to remember as many key details of the driver, their vehicle, and the situation as a whole as you can. Any amount of their license plate is helpful, as is the car’s make, model, and color. Note what part of their vehicle hit yours, as it might be damaged and help the police identify the car. You should also pay attention to which direction the driver headed while fleeing the scene.
- Talk to others: Lastly, talk to other people who stop to help to see if they saw anything useful. You might be surprised with how much others can notice during a crash that you won’t, simply because you are shaken by the event.
Can You Sue an Uninsured Motorist?
Many people ask if they can bring a lawsuit directly against an uninsured motorist, rather than filing a claim against their insurance company. The answer is yes, but it is seldom lucrative. Most people who do not own car insurance do so due to financial difficulties. The odds of being able to collect any suitable damages from them are low. It is better to assume you will be interacting with your insurance company for your UM insurance policy. If you think suing the driver themselves is the right choice, then you can discuss the matter with our St. Louis uninsured car accident attorneys of Cantor Injury Law, and we will give you honest, straightforward legal advice about what to do.