Understanding How Uninsured Motorist Coverage Works
If you’ve been involved in a car crash that was the fault of another driver, typically, the at-fault driver’s insurance company will pay out compensation for injuries and other losses. However, a conundrum can ensue when the negligent driver doesn’t have car insurance. The good news is, you can still file a car accident claim through your insurance company. Here’s what you need to know about uninsured motorist (UM) coverage under Missouri laws.
What is Uninsured Motorist Coverage?
Under Missouri law, all drivers must have uninsured motorist coverage attached to their auto insurance policy. This is to protect you and your passengers from having to pay out-of-pocket expenses if you’ve been involved in a crash with an at-fault, uninsured driver. Your UM coverage will typically cover the following:
- Medical expenses
- Lost wages (if you are unable to work due to your car crash injuries)
- Pain and suffering
- Funeral expenses (if the car crash resulted in a fatality)
If you’ve been involved in a hit-and-run crash, you’ll be eligible to file a claim through uninsured motorist coverage. It’s also critical to note that this does not cover damage to your car or damage to property as a result of the accident.
Do I Need a Lawyer to File a Car Accident Claim Involving an Uninsured Driver?
While you may be able to file a car accident claim without a lawyer, there are some instances in which you shouldn’t go at it alone. If your accident involves severe, life-threatening injuries, having an attorney assist you with your claim can increase your chance of a favorable outcome. Read on to learn more about how Meyerkord & Kurth can help you.
Hit By an Uninsured Driver? Meyerkord & Kurth Is Here For You.
Being involved in a car crash is stressful enough, and when it involves another driver who isn’t insured, it can add even more stress to your plate. However, you still have options to recover your losses through uninsured motorist coverage under your personal auto policy. When you need help, the attorneys at Meyerkord & Kurth are here to defend your rights to receive the compensation you deserve when harmed by a negligent driver.
For a free, no-obligation consultation, contact Meyerkord & Kurth today.