St. Louis Underinsured Motorist
If you are in an accident with a driver who is underinsured, they do not have sufficient insurance coverage to compensate you for damages or injuries.
The law in Missouri requires all drivers to have auto insurance. There are many uninsured motorists on the roads. However, thousands of Missouri drivers are involved in accidents with underinsured motorists.
Sometimes when people want to reduce their monthly expenses, they cut back on their car insurance, opting for only minimum coverage. However, this can result in being underinsured and that can be a problem for you.
Underinsured Motorist Accidents
If you are involved in an accident with an underinsured driver, they may simply not have enough insurance coverage to cover your vehicle damage repair costs and your hospital or medical bills.
If you have an auto liability policy you should also have underinsured motorist coverage. The purpose of having this type of coverage is to pay for property damages or medical bills in the event that the at-fault driver does not have sufficient auto coverage. It is essentially designed to fill the gap between what your expenses are after an accident and the coverage limits of the at-fault drivers insurance policy.
If you are in an accident where the at-fault driver does not have sufficient insurance coverage, contact your insurance company immediately. Many insurance companies require a report to be filed within 24 hours of the accident.
Contact The Hoffmann Law Firm
If you or a family member has been injured by a driver who does not have sufficient insurance coverage, contact The Hoffmann Law Firm, L.L.C. to schedule a free and private consultation. We focus our law practice exclusively on handling accident injury cases. With more than 15 years of experience, no case is too complex for attorney Christopher Hoffmann. Our goal is to secure maximum financial compensation for your physical and emotional recovery.
Call us today at (314) 361-4242 or fill out our online contact form.