Causes of Car Accidents
Motor vehicle accidents can be traumatic and life-changing events for everyone involved. They can cause emotional scarring, as well as physical injury. Serious accidents can prove fatal. In addition to the potential for bodily harm, car accidents often leave a path of destruction, causing financial loss in personal property and the headache of sorting out insurance and legal mitigations.
Regardless of who bears fault for an accident, some reasons motor-vehicle accidents occur include:
- Distracted driving
- Reckless driving
- Drunk or impaired driving
- Failure to obey traffic signs
- Weather and other environmental hazards
- Vehicle defects or mechanical failure
- Unsafe or illegal lane changes
In some unfortunate cases, victims of car accidents do not bear any fault. To make matters worse, sometimes the party who caused the accident is underinsured, or perhaps not insured at all. The Missouri Department of Revenue mandates all drivers to carry liability insurance by law. If you were the victim of a car accident and a third party was underinsured or uninsured, you may have the right to recover reimbursement for your losses, medical expenses, and possibly other forms of financial compensation. Schultz & Myers, LLC has underinsured or uninsured motorist accident lawyers in St. Louis who handle cases like yours. Call 314-444-4444 to schedule a no-obligation consultation.
Reasons to Pursue Compensation From an Underinsured or Uninsured Motorist
Even though Missouri mandates drivers to have insurance, some may not. If you consider how many cars you encounter on the road on your way to work or to the supermarket, you can imagine how many uninsured and underinsured drivers you are surrounded by each time you hit the road. Depending on how severe your injuries prove, a minimally-insured driver’s policy may not even begin to cover the medical bills associated with your diagnosis and treatment. Some injuries also prove ongoing and require therapy well into the victim’s future. If you missed work or lack the ability to return to work, your injuries may prove even more financially devastating.
Sometimes, your own insurance policy includes options for additional coverage against an underinsured or uninsured driver, but it may not cover the majority of your losses from your accident. You may not have chosen to select such additional coverage when you signed up for your insurance policy, either. If this has happened to you, remember that you may still have the ability to file a legal claim. If you are considering legal action, the legal team at Schultz & Myers, LLC wants to help answer your questions. Call 314-444-4444 to begin discussing your case.
Potentially Recoverable Compensation
If you suffered a car accident caused by a third party, there are several forms of compensation that could be awarded to you. This may include reimbursement for medical expenses for injuries sustained as a result of your accident, lost wages if your injuries keep you from returning to work, or reimbursement for travel expenses incurred while your vehicle was out of commission. A legal expert may be able to outline the compensation that could potentially be available in your case.
Underinsured or Uninsured Motorist Accident Lawyers in St. Louis Can Help
If you were the victim of a vehicle accident caused by a third party, you deserve justice. If the at-fault motorist was uninsured or underinsured, you may still receive compensation for medical expenses, ongoing treatment, vehicle damages, and more. Speaking with a legal professional who handles these types of cases may help you learn more about your options. Schultz & Myers, LLC may walk you through the legal process if you are considering filing a claim. Call 314-444-4444 today to set up a free consultation. Deciding on a legal course of action for you and your family early on may allow you more time to focus on your recovery.