Getting into an accident is stressful enough as it is. When the other driver involved doesn’t have insurance like they’re supposed to, this can make the situation much more complicated and frustrating. In these cases, you have two primary options for seeking compensation – uninsured motorist coverage or filing a personal injury lawsuit against the defendant.
Contact our St. Louis uninsured motorist accident lawyer to discuss your legal options. Schedule your free consultation today.
Uninsured Motorist Coverage – File a Claim With Your Own Insurance Company
When you’re in a crash with a driver who has no insurance, uninsured motorist (UM) coverage through your own policy can help protect you. In Missouri, this is required coverage. Here’s how the process works and what you’ll need to prove.
What You Still Have to Prove
Even though you use your own insurance, you’re not automatically paid. You still need to show both of the following:
- The uninsured driver was legally at fault for the crash
- You suffered real damages, such as medical expenses, a totaled car, lost income, or pain and suffering
Evidence You’ll Need
To make a strong UM claim, insurance companies often ask for proof similar to what you’d need in a case with another party, including:
- A police report detailing how the crash happened
- Medical records that show your injuries
- Photos of your injuries and all vehicles involved
- Witness statements supporting your version of events
Every insurer has their own guidelines, but the process is similar across most companies. Having detailed, organized information helps move your claim forward and improves the odds you’ll get what you need.
Personal Injury Lawsuit
Filing a car accident lawsuit in St. Louis, MO means taking legal action directly against the driver who is at fault. This process is started by submitting a formal complaint in court, and you may be able to recover damages such as medical costs, lost wages, or even emotional distress if you’re successful.
However, it’s important to understand a lawsuit does not guarantee payment, especially if you are suing someone who drove without insurance. Many drivers who have no coverage are in that position because they couldn’t afford the premiums. If you win in court, but the at-fault person has no meaningful assets, they may not be able to pay what the judge orders.
When you’re in a situation where the other party doesn’t have insurance, it’s always a good idea to speak with a uninsured lawyer in St. Louis as soon as possible.
How a St. Louis Uninsured Car Accident Lawyer Can Assist
Suffering an injury after an accident often means dealing with confusing paperwork, insurance company tactics, and unclear laws. A personal injury lawyer steps in to take that burden off your shoulders so you can focus on healing. Here’s how:
Investigating and Gathering Evidence
Your lawyer will collect police reports, medical records, witness statements, and photos of the accident. They know what information matters most to prove your claim.
Managing Insurance Companies
Dealing with adjusters can get frustrating. Your attorney handles communication, pushes for fair treatment, and works to keep things on track when the other side tries to drag things out.
Placing an Accurate Value on Your Claim
Lawyers understand the full scope of losses you may have, from medical bills to pain and future care, and will work hard to see that none are overlooked in settlement talks.
Negotiating Settlements or Going to Court
If the original insurance offer doesn’t match your real needs, your lawyer can negotiate. If necessary, they’re ready to file a lawsuit and handle your case in front of a judge or jury.
Having a St. Louis uninsured and underinsured accident attorney during these difficult times is always a good idea. Reach out to schedule a free consultation with our personal injury lawyers.