Experiencing a car accident is already stressful, but discovering the other driver lacks insurance can significantly worsen the situation. Unfortunately, it’s not an uncommon scenario. Despite legal requirements, some Missouri drivers still take to the road without valid insurance coverage. If you’re injured in a crash caused by one of them, it’s natural to wonder: What happens next?
Missouri Requires Auto Insurance—But Not Everyone Complies
Missouri law mandates that all drivers carry a minimum amount of liability insurance, which includes:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
Even with these requirements, some drivers still operate vehicles without insurance. If you’re hit by one of them, you won’t be able to file a typical third-party claim against their insurance company. So, where does that leave you?
Turn To Your Own Uninsured Motorist Coverage
The good news is that Missouri also requires all auto policies to include uninsured motorist (UM) coverage for bodily injuries. This coverage kicks in when you’re injured by a driver who doesn’t have insurance (or in hit-and-run situations where the driver cannot be identified).
In Missouri, your UM coverage must provide at least:
- $25,000 per person
- $50,000 per accident
This coverage applies to medical expenses, pain and suffering, lost wages, and other injury-related costs. However, UM coverage does not pay for vehicle damage—that requires collision coverage or uninsured motorist property damage coverage, which is optional.
What If UM Coverage Isn’t Enough?
If your injuries are serious and the costs exceed your UM limits, you may have additional options:
- Underinsured Motorist (UIM) Coverage: Although not mandatory in Missouri, it can be added to your policy as an optional coverage. It covers you when the at-fault driver has some insurance, but not enough to cover all your damages.
- Personal Injury Lawsuit: You can file a civil lawsuit directly against the uninsured driver. However, this route can be challenging. Many uninsured drivers do not have the financial resources to pay a judgment, making it difficult to actually collect any money even if you win in court.
Dealing with Insurance Companies
Even though you’re filing a claim with your own insurer, that doesn’t mean the process will be easy. Insurance companies often try to minimize payouts, even to their own customers. You may be offered a low settlement or face delays and denials. Having an experienced personal injury attorney on your side can help ensure you receive the full compensation you’re entitled to.
At Wegmann Law Firm, we handle insurance claims directly on your behalf, managing the paperwork, negotiating fair settlements, and helping you avoid common pitfalls.
Actions To Consider Following an Accident Involving an Uninsured Driver
If you’re in a crash and suspect the other driver is uninsured:
- Contact the authorities immediately. A police report is critical, especially in UM claims.
- Get medical attention. Your health comes first, and documentation is vital for your claim.
- Exchange information. If possible, collect the driver’s contact details, but don’t confront them about their insurance.
- Contact your insurance company promptly.
- Speak with a personal injury lawyer. An attorney can evaluate your coverage, file your UM claim, and advise you on the next steps.
Avoid Facing the Challenges Alone—Let Wegmann Law Firm Help
Suffering an injury because of an uninsured driver can be frustrating and financially overwhelming. But you don’t have to handle it on your own. At Wegmann Law Firm, we understand the intricacies of Missouri’s insurance laws and how to build a strong claim.
Our goal is to protect your rights, secure fair compensation, and take the pressure off your shoulders so you can focus on recovery.
Contact us today to schedule a free consultation and discover how we can help if you’ve been injured by an uninsured driver in Missouri.
