In the aftermath of a Missouri car accident, uninsured motorist coverage can provide vital protection against the financial consequences of the accident.
Missouri car accidents can create severe physical, emotional, and financial damage. One factor that can drastically affect the financial impact of an accident is whether or not the at-fault party has insurance. When involved in an accident with an uninsured or underinsured driver, your uninsured motorist (UM) coverage comes into play. Let’s examine the role of uninsured motorist coverage in Missouri car accidents and why it’s crucial to have.
Importance of Uninsured Motorist Coverage in Missouri
In Missouri, it’s legally required for drivers to have uninsured motorist coverage. This insurance provides protection if you’re involved in an accident with a driver who does not have insurance or does not have sufficient coverage to pay for your damages.
According to data from the Insurance Information Institute, around one in eight drivers in Missouri are uninsured. This statistic underscores the importance of UM coverage as a safety net to ensure you aren’t left with significant out-of-pocket expenses after an accident.
How Does Uninsured Motorist Coverage Work?
Uninsured motorist coverage in Missouri covers bodily injury and, in some policies, property damage. This coverage kicks in when the at-fault driver is uninsured or underinsured. It also applies to hit-and-run accidents where the at-fault driver cannot be identified.
Once it’s established that the other driver is uninsured or underinsured, you can file a claim with your own insurance company to access your UM coverage. The compensation obtained can cover medical expenses, lost wages, pain and suffering, and in some cases, vehicle damage.
However, remember that dealing with insurance companies can be complex and stressful. Insurance companies often attempt to minimize payouts, even on UM claims. This is why having experienced legal counsel on your side is important.
Filing an Uninsured Motorist Claim with Legal Assistance
Navigating an uninsured motorist claim alone can be challenging. Insurance adjusters are skilled at their job – minimizing the amount their company pays out. This is where the services of an experienced St. Louis car accident attorney are invaluable.
At The Hoffmann Law Firm, L.L.C., our experienced St. Louis car accident lawyers understand Missouri’s car insurance laws deeply and are equipped to help you get the full compensation you’re entitled to.
From filing the claim and gathering necessary evidence, to negotiating with insurance companies, we are there for you every step of the way. With our team, you can focus on recovery while we handle the legal and financial aspects of your claim.
Speak With a St. Louis Uninsured Motorist Lawyer
In the aftermath of a Missouri car accident, uninsured motorist coverage can provide vital protection against the financial consequences of the accident. However, filing an uninsured motorist claim can be a complicated process.
The experienced St. Louis car accident lawyers at The Hoffmann Law Firm, L.L.C. can help you navigate this process and ensure you receive the compensation you deserve. Contact us today for a free case evaluation.
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!
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