Here’s why it’s a good idea to consult with an uninsured motorist lawyer in St. Louis about your options before you file a suit or take legal action.
If you’ve been hit by an uninsured driver or hit by a hit-and-run driver in the area you may be wondering whether or not you need a St. Louis uninsured motorist lawyer to help with your accident claim.
Getting Compensation If You’re Hit By An Uninsured Driver In Missouri
All auto insurance policies in Missouri must carry uninsured motorist coverage of $25,000 in damages per person, up to a limit of $50,000 per accident. Your own coverage limits may be higher, but all insured drivers in Missouri must meet these minimums.
What this means is that, even if you’re hit by someone who has no insurance, your own policy is responsible for compensating you up to the limit of your policy.
So if you’re struck by a driver in a hit-and-run accident, you will be able to get compensation for damage to your vehicle, injuries, and medical bills up to these limits – the other driver’s insurance status does not matter.
A Lawyer Can Generally Help You Reach A Better Settlement With Your Insurance Company
So, do you need an uninsured motorist lawyer in St. Louis, since you likely have uninsured driver coverage? In most cases, it’s a good idea.
For example, if your insurance company tries to deny your claim, your lawyer can help you reconstruct the accident and collect testimony to prove you were in a hit-and-run, or were hit by an uninsured driver. This will help you win your case and get the settlement you deserve.
An Uninsured Driver Can Be Pursued For Further Damages After An Accident
Let’s say you experienced $80,000 in damages due to being struck by an uninsured driver. You can get up to $50,000 from your insurance policy – but after that, you may wonder if you’re out of options.
Not quite. You can speak with an experienced attorney to determine if filing a personal injury lawsuit for further damages is the best course of action.
In some cases, this may not always be worth it. Pursuing a personal injury lawsuit can be difficult, and if the defendant does not have money to pay, you may not be able to get any further damages.
This is why it’s a good idea to consult with an uninsured motorist lawyer in St. Louis about your options before you file a suit or take legal action. Your lawyer will help you determine the best course of action.
Get Legal Help From an Uninsured Motorist Lawyer in St. Louis
If you’ve been hit by an uninsured driver in St. Louis and do not have enough insurance to cover the damages, you may want to consult with an uninsured motorist lawyer to get the help you need.