St. Louis Underinsured Driver Accident Attorney
Car accidents involving underinsured drivers can be complicated. At The Hoffmann Law Firm, L.L.C., we empathize with your challenges and are committed to helping you navigate this complex situation.
With 25 years of experience, we have a proven track record of successfully handling underinsured driver accident cases.
When injured in an accident caused by an underinsured motorist, you may need to seek compensation from your insurance and the other driver’s policy.
What is an Underinsured Motorist?
An underinsured motorist is a driver whose insurance policy limits are insufficient to cover the medical expenses and property damages resulting from an accident. In such cases, the victim may have to engage their insurance company to obtain the additional funds needed.
To file a claim against their own insurance, the victim must have underinsured motorist (UIM) coverage. In Missouri, UIM coverage is not mandatory and is distinct from uninsured motorist (U.M.) coverage.
Dealing with a car accident can be overwhelming, and it becomes even more challenging when the at-fault driver lacks adequate insurance coverage.
At The Hoffmann Law Firm, L.L.C., we provide expert legal advice and accurate representation to victims injured by drivers with insufficient or no insurance. We also aggressively represent hit-and-run accident victims. Our 25 years of experience will help you secure the compensation you deserve.
Understanding Insurance Requirements in Missouri
Missouri law mandates that all drivers carry minimum motor vehicle insurance. The required minimum coverage includes the following:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Despite these legal requirements, many drivers operate vehicles without sufficient insurance coverage. Consequently, Missouri law also requires drivers to carry uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
If damages exceed these amounts, the underinsured driver may be unable to cover the remaining costs.
St. Louis Underinsured Driver Accident Attorney
If you were injured in an accident caused by an underinsured driver, contact The Hoffmann Law Firm, L.L.C., for expert legal support.