Uninsured Driver Accidents in St. Louis
St. Louis Uninsured Driver Accidents. Car accidents are challenging, but when one driver is uninsured, and the other has coverage, it can be even more difficult to determine how to proceed with a claim. According to the Insurance Information Institute, this isn’t an uncommon situation that drivers find themselves in; in 2015, 14% of Missouri drivers were uninsured.
If you have been the victim of an uninsured driving accident in Missouri, and need help determining your right to compensation, our St. Louis Uninsured Driving Accident Lawyers at the Dixon Injury Firm can offer protection during this confusing and vulnerable time and provide insight to the process of obtaining a settlement from a negligent uninsured motorist in Missouri.
Missouri Driving Laws
In most states in the United States, it’s illegal to drive without insurance, but the rules and regulations for motorists varies from state to state. In Missouri, motorists must carry at the very least, minimum liability insurance coverage that meets Missouri’s policy limits of “25/50/25”. Missouri’s at-fault rule of negligence ensures that if an accident occurs, damages from the crash are partially taken care of by the other driver’s insurance company. However, if the at-fault driver doesn’t have insurance, but the other driver does, Missouri car insurance policies, fortunately, contain “uninsured motorist coverage.”
Under Missouri Law, if an at-fault driver in an accident doesn’t have insurance, but the other driver does, the non-responsible driver can file an uninsured motorist claim against their own insurance policy to cover the costs of repairing their vehicle. The at-fault driver is still liable for the victim’s damages, but, instead of the victim having to wait for compensation, they can obtain partial compensation for general damages caused in the accident.
Filing a Claim Against an Uninsured Driver in Missouri
While the process of recovering damages from an uninsured driver in Missouri is linear for the non-at-fault party, it does require a few elements to be in place. For example, the victim must file a police report of the accident. A police report confirms the accident, provides substantial evidence from the accident, protects the victim’s rights, and includes information on where and when the accident happened, and who the police believe caused the accident.
In addition to a police report, it’s essential for all parties involved to seek immediate medical treatment for any injuries caused in the crash. Failure to document injuries from an accident in an official medical report could allow the other party to deny that they caused specific injuries, which could delay settling.
After filing a police report and getting medical treatment, it’s crucial to talk to a Car Accident Lawyer in St. Louis about the situation. Car accidents are often traumatic and can leave victims vulnerable to the other party’s defenses. Even if the other driver is uninsured, they’ll likely hire an attorney to reduce the amount of the settlement that they are liable for.
Hiring a Car Accident Lawyer in Missouri to represent your case ensures that your right to compensation is protected and that someone is on your side that has your case’s best interests at heart.
Consult with our Uninsured Driver Accident Lawyers in St. Louis Now
If you or someone you love has been in a car accident with an uninsured driver, you need our aggressive Car Accident Lawyers in St. Louis to represent your claim. The Dixon Injury Firm is passionate about fighting for the rights of victims and making sure that they recover the most compensation for damages caused by an uninsured motorist’s carelessness. Our attorneys’ job is to make the process of filing an uninsured driver accident claim in St. Louis as seamless as possible for victims and their families, and recover the most compensation for damages.
Christopher Dixon’s efforts have earned recognition from the National Trial Lawyers Association as a “Top 100 Trial Lawyer,” and highlighted multiple times in the “Best Lawyers in St. Louis” edition of St. Louis Magazine. Chris Dixon is persistent and demanding when fighting for clients’ best interests, and is the best Car Accident Lawyer in Missouri for obtaining the results you expect, and deserve, for your harms and losses caused by an uninsured driver.
If you are interested in discussing your uninsured driver accident claim with Christopher Dixon and the St. Louis Car Accident Lawyers at the Dixon Injury Firm, call (314) 409-7060, 855-40-2724 (toll-free), or contact our attorneys now for a free case review or consultation.