Being in an automobile crash is bad enough, but finding out that the other driver is uninsured makes the situation even more upsetting.
A responsible driver may find it hard to comprehend why an individual would blatantly disregard the law and operate a motor vehicle without proper insurance. Not only is the individual running the risk of receiving traffic citations if pulled over by a police officer, but the negligent person is also putting other drivers at risk of having to bear the brunt of the cost in the event of an accident. Being hit by an uninsured driver does not mean you cannot be compensated for your injuries. You may need the assistance of a qualified St. Louis car crash attorney from The Hoffmann Law Firm, L.L.C.
Uninsured/Underinsured Insurance Coverage
The prevalence of drivers who do make the choice not to carry car insurance is so high that companies offer special provisions to account for them. Uninsured/underinsured motorist coverage is a part of your own insurance policy that allows you to collect compensation if you are involved in an accident with an uninsured motorist.
It may not sound right to have to refer to your own insurance policy if someone else’s negligence caused you injury, but with an estimated one out of ten drivers not carrying insurance of their own, a motorist must stay protected. You pay for uninsured/underinsured insurance coverage with every premium and have every right to take advantage of it when necessary.
What to Do if Hit By an Uninsured Driver
In order to protect your rights to compensation, it is always in your best interest to call the police to the scene after an accident, no matter how small. Having a police report will be helpful once you file an auto accident claim. Seek medical attention and let your insurance company know of the accident as soon as possible. At that point, you should also consult with a St. Louis auto accident lawyer to discuss your case.
Automobile Crash Attorney St. Louis
Even though you are dealing with your own insurance company, they may try to limit the amount of your claim or they may deny it altogether. Protect yourself and your financial future with the help of a St. Louis car crash lawyer.