Uninsured Motorist Lawyer St. Louis
Each year in Missouri, thousands of people are in car accidents involving an uninsured motorist. In such a situation, consulting with an uninsured motorist attorney is essential.
Despite being compulsory and inexpensive in Missouri, 16% of drivers remain uninsured. As a result, the state mandates uninsured/underinsured coverage. This type of coverage can be highly beneficial in cases where drivers find themselves in an accident with an uninsured motorist or with someone whose coverage does not adequately cover all associated costs.
According to some estimates, the average cost of car insurance in Missouri is around $1,334 annually, making it 6.5% less than the national average.
Despite being compulsory and inexpensive in Missouri, 16% of drivers remain uninsured. As a result, the state mandates uninsured/underinsured coverage. This type of coverage can be highly beneficial in cases where drivers find themselves in an accident with an uninsured motorist or with someone whose coverage does not adequately cover all associated costs.
However, the uninsured motorist coverage isn’t all-encompassing.
This attorney is very smart, very experienced, returns phone calls and knows the answers when asked. One call and I knew this was a great law firm for auto accidents.
Response from the owner: Our law firm appreciates this. This is a comment we get from so many people who call…”none of the lawyers we called told me all the things that you did.” Whether we take a car accident case or not, helping people is a good thing.
5 Star Lawyer for sure! Best you will find in Saint Louis.
Response from the owner: Thanks for the 5 Star Rating. Reviews like this are great. Injury victims quickly figure out the TV advertisers are not good. We work hard at being the best we can be and it reflects in our representation of car accident victims.
Watch this lawyer in action. Was way better than all the others. Get this lawyer for an automobile accident for sure.
Response from the owner: Thanks for the recommendation. Besides doing cases, our attorneys train for this. Hard work, case knowledge and technique is key to success in car accident litigation.
Very pleased with The Hoffmann Law Firm. Lawyers are attentive, friendly and go the distance to force the settlement you want. The TV lawyers recommend low offers. This law firm gets the maximum.
Response from the owner: We get calls from car accident victims that had to fire the TV lawyers that they hired. They give the same two reasons: 1) they never spoke to a lawyer at the Big TV law firms, only a paralegal, and 2) the paralegal recommended they accept a low offer. At our law firm, you only talk to the lawyer and if an offer is low we tell you to sue. Thanks!
You will love this car accident lawyer.
Response from the owner: You are the best! Thanks for the review. Our attorneys work hard but it all starts with a great client.
Several lawyers said to call this lawyer because he is the best. You will appreciate this law firm. Helped with the injury and property claims. Attentive and knowledgeable. Great reputation in St Louis.
Response from the owner: Thanks Lexi. Our #1 source of cases is other lawyers referring us cases that are too big for them to handle.
Would use this accident law firm. Best in Saint Louis. Highly rated and it shows. After one phone call, you just know this attorney is better. 5 Stars!!
Response from the owner: Thanks for recommending our lawyers in St Louis. There is a major difference in lawyers as you well know.
Great law firm thanks Leah for the referral
Response from the owner: Appreciate you recommending our law firm. Car accident litigation is all we do and specializing allows us to focus.
Car accident lawyers on tv are not good . Get this attorney ! He is a pro !!
Response from the owner: Thanks Nathan. TV lawyers market for car accidents, use paralegals instead of lawyers and give their employees settlement quotas hence forcing cheap settlements. At our law firm, you get a lawyer who keeps pushing forward for more.
A+ attorney. Smart. Helpful. Great for automobile accident cases. Located in saint louis, missouri. Use him!
Response from the owner: Thanks. Car accident cases are difficult without the right attorney and great clients. Much appreciated.
Quality lawyer. Best law firm for a car accident. Advice was way better than other lawyers I called in St. Louis. Helped with property and injury.
Response from the owner: Thanks. The TV lawyer advertisers are just car accident settlement mills. As soon as people call a real attorney, they always tell us how much better and more helpful we were. Appreciate this.
Get this lawyer if you have an automobile accident. Simply the best!
Response from the owner: Thanks Lizzy. Recommendations from other is the best way to find a car accident attorney.
This lawyer is big time. Smooth. The other lawyers on the other side were not nearly as good as this attorney. I recommend friends in St Louis to him for accident injuries and they all say the same thing…”that lawyer is great.”
Response from the owner: Very nice of you to say. Our lawyers work hard on auto accident cases.
Family used this car accident attorney after a crash. Located in St Louis. This lawyer answers the phone and will walk you through the process. Knows his stuff!
Response from the owner: Taking calls, going over the car accident injury and property process is important. Clients that call always say we are the only lawyers that explained everything. Much appreciated.
Tried the lawyers on TV. They were not good. Hired this car accident lawyer instead because he had great reviews. The reviews are correct. This attorney is as good as they get. He does big injury cases that need to be litigated.
Response from the owner: Car accident lawyers on TV do not litigate cases. It is mass production. They have quotas. Local attorneys are best on auto accidents.
Very very good at injury claims for car wrecks. Use this St Louis attorney. Two thumbs up!
Response from the owner: Thanks for the review! All we do is accidents. When you specialize, your knowledge base and practice skills grow. Thanks!
Used this attorney for an auto accident. Highly recommend this lawyer in St. Louis. Communicates well.
Response from the owner: Communicating with clients is essential. Taking the client though the car accident claims process is important otherwise major mistakes can occur. It is an effort that we make. Thanks!
Best for car accidents in St Louis. Use this attorney.
Response from the owner: Thanks. Great clients make for great cases!
This lawyer is great for car accident injury claims. Did an uninsured motorist case. Very good attorney.
Response from the owner: Car accidents can be insured or uninsured. The claims are much different. Thanks for the review.
Great lawyer if you are in an auto accident. I recommend this attorneys office.
Response from the owner: Thanks J. Glad we got your auto accident case completed and that for telling others about our lawyers.
Very good car accident attorney. Did my and my relatives claims and paperwork. Highly recommend.
Response from the owner: Thanks for recommending our law firm on car accident cases.
Fantastic law firm, I would recommend! Received free consultation related to an auto accident when my parked car was damaged by a baseball. Very supportive advice, these guys are good!
Response from the owner: Thank you!
Recommend this attorney for auto accidents.
Response from the owner: Thanks for recommending our attorneys for an automobile accident.
Best St Louis lawyer for car accidents.
Response from the owner: Thanks Tana. Appreciate this!
Great Lawyer!!
Response from the owner: Thank you
I was in a car accident in St.Louis and hired Chris as my lawyer. He was amazing!!! He helped me every step of the way and was able to get me a great settlement!!!Highly, highly, highly recommend him!
Response from the owner: Each step is important in a car accident. Thanks for recommending us for car accidents injury claims.
If you have an auto accident and need an attorney in St Louis, I recommend Mr Hoffmann.
Response from the owner: Appreciate this James and you did great as well. Car accident claims always start with a good client.
Great car accident lawyer. Did a very good job on my injury case. Thanks!
Response from the owner: Thanks. Appreciate the compliment. All we do is car accident litigation.
Very accomplished accident attorney in Saint Louis. 5 stars for sure!
Response from the owner: Thanks
A car accident lawyer I would recommend to anyone.
Response from the owner: Thanks. That is great of you to say about our lawyers.
Great car accident attorney!!
Response from the owner: Thanks
When I had my accident he was very professional, honest and caring to me and my family it wasn't about the money it was about the care, he made sure me and my kids were took care of and I really appreciate it this is a gexcellant law firm also his secretary is the best,so I would like to say thank you chris for everything melinda .
Response from the owner: Thank you
Great car accident lawyer in St. Louis. This is a very good car accident lawyer in St. Lious. Takes phone calls. Listens. Experienced in injury litigation.
Response from the owner: Thanks Maddie. Our law firm brings experience to the table on car accident cases.
Great people, helped me through a situation over the phone. His words and advice eventually helped me in my case.
Response from the owner: Glad to hear!
Although Mr. Hoffman did not represent me in my case he was willing to take the time to get me in touch with someone who specializes in the type of incident I needed legal representation with. Attorney's such as Mr. Hoffman are difficult to find. He took personal time to keep in touch with me and give me sound legal advice and guidance. I highly recommend speaking with Mr. Hoffman if you require his services. I truly believe he is the type of person who cares and will make sure the job gets done RIGHT. Do not hesitate to contact him
Response from the owner: Anytime!
In an auto accident in St. Louis, the other car pulled out and hit us. The collision was very bad. We were all injured and used this attorney. He is very experienced in handling injury claims and got a great settlement after filing a lawsuit for us. 5 Stars!
Response from the owner: Thanks Ms. Santoni. Side impact car accidents are some of the worst our lawyers see. We have to file lawsuits on nearly every case because insurance companies deny almost every claim, but I am glad we got yours resolved. I appreciate you recommending our lawyers and giving us a 5 Star rating.
My daughter and I were in an car accident. We for both injured badly. After I finally got out of the hospital, I started looking for lawyers in Saint Louis and found this attorney who does accident and injury claims. It said their attorney would answer 24 hours a day. I called their law firm at 10 p.m. and a injury lawyer answered. He was polite, knowledgeable, and advised me of what needed to be done for myself and my daughter regarding the car accident. I hired them to do or auto accident case. They kept me well informed during the car accident case in Saint Louis County Court. I was well prepared for depositions. He help with everything. I got a good settlement as did my daughter for our injuries. Although the car accident was scary, it was bearable having a good helpful attorney on our side. I highly recommend this Saint Louis car accident law firm. Their attorneys and lawyers are great. Highly recommended
Response from the owner: Happy to help.
The Chris Hoffman law firm takesgreat care of all my legal needs. They are caring and personal and will fight for what you need. I highly recommend them. You will be very satisfied and know he got you the best deal available.
Response from the owner: Great cleints are the start to pursuing any legal case and you are the best! Thanks for the recommendation Barbara!
A true professional in terms of car accident cases. I definitely recommend this lawyer for any injury after a St. Louis accident. Very good at what these attorneys do!
Response from the owner: Thank you very much for such a great review. Our attorneys work hard at providing great service. Car accident cases are fought by insurance companies from the property damage through the personal injury claim. This forces people to get local lawyers to do their claims. Missouri and Saint Louis, in particular, is known for accident claim denial even against your own insurance carrier. Thanks again!
You will not find better attorneys for a car accident in St. Louis. Very experienced. These attorneys know all the facets of an accident case and have great advice when problems come up during the injury claim.
Response from the owner: Thanks Jack. Our attorneys appreciate a great review like this. It helps car accident victims know who are the real lawyers in St. Louis who do this work versus the mere advertisers who refer victims to lawyers they have never met for a kickback. Much appreciated!
Thanks for helping with my car accident case. These lawyers are best in St. Louis.
Response from the owner: You are welcome and thanks for the review! A lot of car accident victims read these and find it helpful in choosing a lawyer for their case. Great cases always start with great clients!
great lawyer for auto accident cases . I thought this law firm did great work .Very happy with their services. I would recommend them to others.
Response from the owner: It was very nice of you to leave a review. Thanks Brenda! A good case always starts with a great client. We appreciated the recommendation. It is good to hear back from clients and have them refer us to other injury victims after a car accident. Wish you well!
This is the best choice for a car accident attorney. These lawyers get great settlements.I was recommended to them from some people I know and was happy to get a great recommendation.
Response from the owner: Our attorneys appreciate the compliment! It is great to hear we are doing well. It means a lot when you recommend our lawyers to other car accident victims. Thanks again!
Glad I switched to this auto accident lawyer. These lawyers fight hard for their injury clients. I highly recommend these lawyers.
Response from the owner: We are happy you switched as well. Good clients are the basis for a good case. Fighting to protect your rights after an accidental injury is our sole focus. Your recommendation means a lot. Thanks again for the review.
If you are injured in a car accident you should hire this attorney. This is the best legal representation. These attorneys are very professional.
Response from the owner: Thank you for reviewing our law firm and recommending our lawyers. Attorneys appreciate feedback on whether they are doing well on cases and reviews are one of the best means for this.
ST.LOUIS AUTO ACCIDENT? I RECOMMEND THIS LAWYER FOR ANY ACCIDENT CASE INVOLVING INJURIES. VERY GOOD LAWYERS!
Response from the owner: Appreciate the Good Words! SInce our law firm started focusing exclusively on car and auto accidents, the focus had increased our knowledge and the learning curve has greatly benefited out settlement results. Specializing is key for any lawyers! All benefit from this. Thanks again for the review!
Uninsured Motorist Accidents
To ensure adequate protection in an accident with an uninsured motorist, it’s essential to understand the limitations and exclusions of your insurance policy. An uninsured motorist attorney can help clarify these details. Uninsured motorist coverage typically has a minimum limit of $25,000 per person and $50,000 per accident for bodily injury. However, higher limits are available for those who desire greater protection.
It’s important to note that uninsured motorist coverage only applies to bodily injury and does not cover damage to your vehicle or property. This means that if you are involved in an accident with an uninsured driver, you may be responsible for covering the costs of repairs yourself.
Specific exclusions may apply to your policy, such as not being covered if you use a vehicle to transport passengers for a fee, like with a ride-sharing service like Uber or Lyft. Committing a crime while driving may also invalidate your coverage. Additionally, if you are involved in a hit-and-run accident, you must report the incident to the police within 24 hours and file a claim with your insurance company within 30 days to avoid denying your claim.
Understanding these crucial details can ensure you are adequately protected in an accident with an uninsured motorist.
Underinsured Motorist Accidents
Reducing monthly expenses by opting for minimum car insurance coverage may seem wise; however, it can lead to significant problems if you are involved in an accident with an underinsured driver. You could incur substantial out-of-pocket expenses if the driver at fault lacks insurance coverage for your medical bills and vehicle damage repairs.
Underinsured motorist coverage can help protect you financially in these situations. This type of coverage can help cover the gap between the at-fault driver’s insurance coverage and the actual costs associated with the accident. Carrying underinsured motorist coverage ensures you are not left with overwhelming expenses after an accident.
Who will pay for your injuries if you are a victim of an uninsured driver car accident?
Having an uninsured motorist lawyer by your side can simplify the process, ensuring that you fully understand your insurance policy’s Uninsured Motorist (UM) Coverage and can get the compensation you deserve.
Liability insurance can be expensive, and as a result, there are many uninsured motorists on the road. In the unfortunate event that you are involved in an accident with an uninsured driver, it can be challenging to determine how to receive compensation for your bodily injuries. However, there is an avenue for financial protection – your insurance policy’s Uninsured Motorist (UM) Coverage.
By carrying UM coverage, you can receive compensation for your injuries even if the at-fault driver does not have insurance. This coverage can help pay for medical bills, lost wages, and other associated expenses. While dealing with the aftermath of an accident with an uninsured driver can be frustrating, having UM coverage can provide peace of mind and financial protection when needed.
What Vehicle Damage is Compensated Under UM Coverage?
It’s essential to carefully review the details of your UM coverage to determine whether vehicle damage is included in the compensation offered. If your policy does cover vehicle damage, you may receive financial compensation for repairs to your vehicle in the event of an accident with an uninsured driver. However, if your UM coverage does not include vehicle damage, it may be covered under your collision coverage.
It’s worth noting that there may be situations where neither UM nor collision coverage applies to the vehicle damage. In these cases, you may be responsible for paying for the repairs out of pocket. An experienced St. Louis car accident attorney can provide guidance and legal advice regarding the specific terms of your insurance coverage.
When and How Much Compensation May You Receive?
Compensation for accidents involving uninsured drivers depends on your insurance policy. Some policies cover hit-and-run accidents, but only if your vehicle was damaged or you were injured. Others may require identifying the driver and vehicle for compensation.
If you are injured while on the job, you may be eligible for workers’ compensation and disability benefits, which can help cover your medical expenses. Additionally, your insurance policy may include medical payments coverage, which can also provide compensation for medical bills related to the accident. In some cases, your UM compensation may be reduced by the amount you receive from these other sources of financial support.
If you or a family member are riding in another person’s car and are injured in an accident caused by an uninsured motorist, the primary insurance policy for claiming compensation will be that of the vehicle’s owner. Your UM coverage will generally serve as a secondary source of compensation and will only pay for bodily damages that the primary policy has not compensated. It’s essential to understand the specific terms of your insurance policy to determine what compensation you may be eligible for in the event of an accident with an uninsured driver.
How to Find Out If Someone Has Car Insurance?
If you are involved in a car accident and are looking to determine if the other driver has car insurance, there are several methods you can use to obtain this information.
Ask for Their Insurance Information
Your first action should be to ask the other driver for their insurance information. However, not everyone will be truthful or forthcoming with this information. In some cases, the other driver may refuse to provide their insurance information or may provide false information.
Check for an Insurance Sticker
Another method to determine if someone has car insurance is to look for an insurance sticker on their windshield. Many insurance companies provide their customers with these stickers, which indicate that the driver has at least some form of coverage. However, it’s important to note that the absence of a sticker doesn’t necessarily mean the driver is uninsured.
Seek Help from the Police
If the other driver is uncooperative or you cannot obtain their insurance information, contacting the police may be your best option. When you file a police report after an accident, the officer will typically check the other driver’s insurance status and include this information in the report. You can obtain a copy of the police report from the precinct where it was filed to learn if the other driver has insurance.
Frequently Asked Questions
What is uninsured motorist coverage, and why is it important?
Uninsured motorist coverage is a type of insurance that protects drivers if they are involved in an accident with a driver who does not have insurance. It helps cover medical expenses, property damage, and other damages incurred due to the accident. It is essential because it provides additional financial protection for drivers, ensuring they have coverage even if the at-fault driver is uninsured or underinsured.
How does uninsured motorist coverage work in St. Louis, MO?
Uninsured motorist coverage in St. Louis, MO, typically works by allowing drivers to file a claim with their insurance company if they are involved in an accident with an uninsured or underinsured motorist. The insurance company may then compensate the injured driver for damages up to the policy limits of their uninsured motorist coverage, subject to the terms and conditions of the policy.
What should I do if I’m involved in an accident with an uninsured motorist?
If you are involved in a car accident with an uninsured motorist, it is crucial to take steps such as documenting the accident scene, exchanging information with the other driver, and seeking medical attention if needed. It is also important to notify your insurance company of the accident. Consulting with an experienced uninsured motorist lawyer can help you understand your legal rights and options for seeking compensation.
Can I still pursue compensation if the at-fault driver doesn’t have insurance?
Yes, you may still be able to pursue compensation even if the at-fault driver does not have insurance. If you have uninsured motorist coverage, you can file a claim with your insurance company to seek compensation for your damages, subject to the terms and limits of your policy. Alternatively, you may explore other legal avenues, such as suing the at-fault driver directly. However, recovery may depend on their ability to pay. Your options should be discussed with an experienced St. Louis car accident lawyer.
How can an uninsured motorist lawyer help me with my claim?
An uninsured motorist lawyer can provide valuable legal assistance with your claim by advocating for your rights, negotiating with insurance companies, assessing the value of your damages, gathering evidence to support your claim, and representing you in legal proceedings if necessary. They can provide legal guidance and help navigate the complex process of dealing with uninsured motorist claims, maximizing your chances of obtaining fair and just compensation for your injuries and damages.
It’s important to consult a qualified attorney for comprehensive and personalized legal advice about uninsured motorist claims, as laws and regulations may vary by jurisdiction.
Speak With a St. Louis Uninsured Motorist Attorney
Being involved in a car accident can be a traumatic experience, and dealing with the aftermath can be overwhelming. It is crucial to understand the importance of having proper insurance coverage, including uninsured motorist coverage, to protect yourself in case of an accident with an uninsured or underinsured driver. Additionally, knowing how to find out if the other driver has car insurance can help you take the necessary steps to receive proper compensation for your damages and injuries.
However, if you have been injured in a car accident, speaking with a St. Louis uninsured motorist lawyer is essential as soon as possible. A skilled attorney can help you navigate the complex legal process and negotiate with insurance companies to ensure you receive fair compensation for your losses. They can also help you understand your legal rights and options and guide you throughout the process.
Don’t face the aftermath of a car accident alone. Contact a St. Louis car accident lawyer today to ensure you get the help and compensation you deserve.
Free Consultation with a St. Louis Car Accident Lawyer
Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!
