Facing an uninsured motorist car accident claim? Here’s why you need legal help.
You know Missouri law requires every driver to have liability insurance. In case of an accident, you take care of your neighbor, right? You also do your best to protect yourself and those you love from harm.
Just because you have proper coverage doesn’t mean your fellow Missouri drivers do.
Sad but true – many people have purchased no coverage at all! Uninsured and underinsured drivers are a real problem.
If you’ve ever been in an auto accident with an uninsured motorist at fault, you know it’s a major headache. Your bad day just got a whole lot worse when you learn that the at-fault driver is not properly insured.
Spending hours on the phone with insurance companies is not fun. Sorry to say, that may be just the beginning of your nightmare if injuries and medical bills are involved.
If one little detail gets messed up in the system, it can days or even weeks to get coverage detangled! When you need ongoing medical care, that’s an added stress you don’t want to deal with.
So how does uninsured motorist coverage actually help you in the event of a car crash?
Uninsured motorist coverage steps in to fill the gap left by the negligent uninsured/underinsured driver. It’s designed to provide coverage to the injured driver up to the uninsured motorists’ limits.
Hit and run accidents are covered by uninsured motorist coverage in the state of Missouri.
Some states unhappily require the uninsured motorist vehicle to have contact with the insured vehicle. Have you ever been run off the road by a speedy driver swerving in and out of traffic?
Thankfully for Missouri residents, if another uninsured driver’s negligence caused your auto accident, you are likely to be eligible for uninsured motorist coverage.
Did debris or equipment left in the road by another vehicle cause your car accident? Even if the negligent vehicle is no longer on the scene, you could still be eligible for uninsured motorist coverage.
This coverage sometimes even applies in situations where an unknown driver “waves out” another vehicle into traffic causing a crash.
How do you claim uninsured motorist coverage if you or your vehicle is damaged by an uninsured driver?
You actually have to bring a claim against your own insurance! That’s what you’ve paid for, right? Whether following a hit and run, a “wave out” crash, or any crash or accident with an uninsured driver, it’s the injured driver’s responsibility to pursue a claim.
Guess what? Your insurance company isn’t going to like this.
Not surprisingly, the insurance will begin looking for ways to blame the insured for comparative fault. Equally unfair and alarming, your insurance company may begin seeking ways to reduce or minimize damages from the time the claim is initially reported.
This is exactly why you need an expert uninsured motorist attorney to represent you!
Our St. Charles and St. Louis car accident lawyers will fight for you to insure the crash investigation is fair.
We will contact witnesses. We will review the police reports.
Most importantly, we will advise you of your rights and communicate with the insurance company on your behalf. Yes! We will handle those frustrating, time-consuming phone calls.
The best news is NO fees unless we recover for your injuries!
We will maximize your claim recovery money for your benefit, not just to line our pockets. We think your rights matter, not just the big insurance companies’ rights.
So, don’t face your uninsured auto accident nightmare alone!
Pick up the phone today and call The Law Offices of Nathan A. Steimel, LLC at (636)244-3737. You can also check us out at http://steimel-law.com/personal-injury-carcrash.html
You need an experienced uninsured motorist lawyer at your side to fight for your rights!
This website is designed for general information only. The information presented on this site should not be construed to be formal legal advice or the formation of a lawyer/client relationship.