Thinking about how you’d pay your medical bills if you’re injured in a car accident probably isn’t at the top of your priority list. But planning ahead for something you hope never happens is still a good idea. Our St. Louis uninsured motorist claims attorneys are here to answer your questions about this complicated topic.
Schultz & Myers Personal Injury Lawyers have been helping accident injury victims since 2010. Our St. Louis car accident attorneys are passionate about what we do. We believe that when you are injured in a car accident because of another driver’s negligence, you shouldn’t have to bear the financial cost.
When you’re focusing on recovering from your injuries, the last thing you need is to worry about your loss of income and soaring medical expenses. Call us today at (314) 444-4444 in St. Louis, MO, so we can learn about your accident, evaluate your case, and start work on getting you the compensation you need and deserve.
How Can Schultz & Myers Personal Injury Lawyers Help You After a St. Louis Car Accident?
If you’ve been hurt in a St. Louis, Missouri car accident caused by a driver who is uninsured, your first concern is likely how you’re going to pay for your medical care. With so many questions, you need a top-rated firm like our St. Louis personal injury lawyers to guide you through your options.
When Schultz & Myers Personal Injury Lawyers is advocating for you, you can rest assured we’ll be a strong voice for you. We’ve helped many clients in situations like yours collect tens of millions of dollars in financial relief.
The results we get for our clients come from years of experience, skill, and unmatched tenacity. We’ll apply the same commitment to your case as we have with all of our clients by:
- Carrying out our own detailed probe into the circumstances of your accident
- Assembling important evidence to determine who was at fault for the accident
- Determining if the at-fault driver had insurance at the time of the accident
- If the at-fault driver was uninsured, reviewing your policy to determine if you have uninsured motorist insurance
- Managing all settlement negotiations with the insurance company
Schultz & Myers Personal Injury Lawyers goes to the negotiation table thoroughly prepared. We’ll know your case inside and out and protect you against claims that you caused your own injuries.
Call us today for a free consultation to find out more about how we’ll work hard to get you the maximum compensation possible.
If the At-Fault Driver Is Uninsured, How Do I Get Compensation for My Injuries?
This is an important question because Missouri is an “at-fault” state. This means if you are injured in a car accident because of another driver’s negligence, you must first look to the at-fault driver or their insurance company for compensation.
To protect innocent drivers, Missouri law requires every car owner in the state to carry liability insurance to cover the cost of injuries they cause as a result of their own negligence. Liability insurance must have the following minimum coverage:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
- $25,000 uninsured motorist bodily injury coverage per person
- $50,000 uninsured motorist bodily injury coverage per accident
What if the at-fault driver doesn’t have this required insurance? There’s a decent chance of that; unfortunately, over 16% of Missouri drivers are uninsured.
In that case, you can still pursue the at-fault driver to try to recover your damages from them. However, in many cases, they won’t have sufficient money or assets to cover your losses. Your best option then would be to file a claim with your own insurance company under your uninsured motorist coverage.
If you’ve been hurt in a Missouri car accident caused by an uninsured driver, call Schultz & Myers Personal Injury Lawyers today for a free consultation. We’ll review your insurance policy with you and provide you with your best legal options to get compensated for your injuries.
What Types of Damages Does My Uninsured Motorist Coverage Cover?
Missouri’s uninsured motorist coverage requirement is intended to protect you if an uninsured or hit-and-run driver injures you. It usually also covers your family members and passengers in your car. But it does have its limits.
Your uninsured motorist coverage will pay for your medical expenses up to your policy limits, as well as other types of damages, depending on its terms. Car accidents can result in catastrophic, long-term harm, such as traumatic brain injury, paralysis, and amputations. If your damages go beyond what your insurance policy pays, you would then have to pursue the at-fault driver for your excess expenses.
The insurance claims process is complex and time-consuming. When you’re dealing with the physical and emotional pain of your injuries, let Schultz & Myers Personal Injury Lawyers handle the business of getting you the compensation to which you’re entitled.
Set Up a Free Consultation To Discuss Your Uninsured Motorist Claim With an Attorney
When you’re involved in a car accident caused by an uninsured driver, you might naturally be worried about getting compensation for your injuries. Let us help put your mind at ease by sitting down with you and going through all your options.
Schultz & Myers Personal Injury Lawyers have years of experience helping accident injury clients navigate the uninsured motorist claims process. Put our skills to work for you by calling us today for your free consultation. We’re available 24 hours a day, so call anytime.