What if the Other Driver Doesn’t Have Insurance?

Were you involved in a car crash in St. Louis, MO? If so, you may be entitled to compensation or your damages. However, what happens if the other driver doesn’t have insurance coverage?

Contact our St. Louis auto accident lawyers at Schultz & Myers Personal Injury Lawyers for help. You could have other legal options to recover money for your damages. Our attorneys have more than 100 years of experience between them. To date, we have won over $100 million in compensation for our clients.

Call now at (314) 444-4444 for a free consultation with our St. Louis car accident lawyers to learn more about insurance claims.

How Schultz & Myers Personal Injury Lawyers Can Help With a Car Accident Claim Involving an Uninsured Driver in St. Louis, Missouri

How Schultz & Myers Personal Injury Lawyers Can Help With a Car Accident Claim Involving an Uninsured Driver in St. Louis, Missouri

Even when a driver has car insurance, it does not mean you will receive compensation for your injuries. Car insurance companies try to limit their liability for claims to save money. You may need a St. Louis car accident attorney to help you with your claim regardless of whether the other driver has insurance or not.

Our St. Louis car accident lawyers at Schultz & Myers Personal Injury Lawyers will help you pursue a claim. When you hire our top-rated personal injury lawyers, you can expect us to:

  • Investigate the cause of your car accident to determine the cause of your car accident
  • Identify all parties who could be liable for your damages
  • Verify insurance coverage and file any available insurance claims
  • Prepare all paperwork, handle communications with the insurance company, and negotiate an insurance settlement
  • Defend you from allegations of contributory fault
  • File a lawsuit and take the case to trial if necessary

Learn more about your legal rights after a car accident in St. Louis, Missouri. Call now for your free case evaluation.

What Are the Car Insurance Requirements for Drivers in Missouri?

Missouri drivers must purchase minimum amounts of car insurance. Liability insurance coverage pays damages to accident victims when the insured driver caused the crash. The minimum amount of liability insurance required in Missouri is:

  • $25,000 for bodily injury liability
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability

The law also requires drivers to purchase uninsured motorist coverage in the amount of $25,000 ($50,000 per accident). If you are involved in an accident with a driver who doesn’t have insurance, you may receive compensation from your uninsured motorist coverage.

What Is an Uninsured Motorist Insurance Claim in St. Louis, MO?

You can file a claim with your insurance company when you are injured in a car accident with an uninsured driver. Your uninsured motorist coverage stands in the place of the other driver’s liability insurance. However, before you can receive compensation for damages, you must prove:

  • The other driver does not have insurance coverage
  • The other driver caused the car accidents
  • You sustained injuries because of the car accident
  • You incurred damages because of your injuries

Uninsured motorist insurance pays your economic damages, including lost wages, medical bills, and out-of-pocket expenses. It also compensates you for physical pain and suffering, emotional distress, and other non-economic damages. You can receive the same compensation you would receive if you filed a liability insurance claim against the other driver.

Your uninsured motorist insurance might not cover all your losses and damages. You can discuss whether filing a personal injury lawsuit against the at-fault driver is prudent with our St. Louis car accident lawyer. However, if the at-fault driver does not have the resources to pay a judgment, filing a lawsuit might not result in additional compensation for your damages.

What Happens if I’m Partially To Blame for Causing the Car Accident?

Missouri’s contributory fault law does not bar victims from receiving compensation for their damages if they are partly to blame for causing a car crash. 

However, it reduces the compensation you receive for your damages. For instance, if a jury found that you were 35% to blame for causing a car accident, your compensation would be reduced by that amount.

Your insurance company may allege that your claim is not worth as much because you contributed to the cause of the car accident. However, only a jury can determine contributory fault. Therefore, it is merely a negotiating tactic and is not necessarily true.

Even though you are dealing with your insurance provider, it does not mean you will be treated fairly. An insurance adjuster treats your claim like all other claims, and they want to minimize its value however they can.

You must be prepared in the event that the company tries to undervalue or deny your claim. If the company says you contributed to the cause of the crash or offers you a lowball settlement, contact our St. Louis car accident lawyers immediately for help.

Schedule a Free Consultation With Our St. Louis Car Accident Lawyers

You deserve fair compensation for your injuries and damages caused by a car crash in St. Louis, MO. Call Schultz & Myers Personal Injury Lawyers to schedule a free case review to learn more about your legal options. Our St. Louis car accident attorneys are here to help you when you need trusted legal advice and assistance.