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St. Louis Uninsured/Underinsured Motorist Accident Attorneys

What to do if You Are Injured by a Driver that Does Not have Adequate Insurance

If you are injured in a car accident, according to the Insurance Research Council, there is a 14% chance that the vehicle responsible for your injuries is not insured. That number typically increases when the economy struggles, as more and more people are unable or unwilling to pay for car insurance.

Even if the other driver has insurance, chances are that the insurance is not enough to pay all of your damages. The minimum amount of liability coverage required in Missouri is $25,000 per person injured in the accident and $50,000 per accident. If you have suffered serious injuries in an accident, this will not be enough to pay your medical bills, lost income, and pain and suffering from the accident.

Find out more; contact us at (314) 635-7606 to request a free initial consultation. We offer contingent fees, meaning you won’t owe attorneys’ fees unless we recover compensation on your behalf.

What Is Uninsured & Underinsured Motorist Coverage?

There is some good news. There are two important insurance coverages that can protect Missouri drivers from these risks:

  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage

Missouri law requires you carry uninsured motorist bodily injury coverage with minimum $25,000/$50,000 limits. This means that if you have purchased car insurance in Missouri, you have uninsured motorist coverage in at least this amount. If you are in an accident with an uninsured motorist, you should have the protection of the $25,000/$50,000 limits.

Uninsured motorist coverage protects:

  • Drivers and passengers injured by an uninsured vehicle
  • Hit and run accidents where the negligent driver is unknown
  • Passengers injured in an uninsured car

The best protection for drivers is underinsured motorist coverage. This will apply when the other driver does have insurance but it is insufficient to cover your damages. This coverage is not required by Missouri law but can be purchased, usually for little money. We recommend everyone strongly consider purchasing underinsured motorist coverage.

Contact Our Firm Today

Unfortunately, insurance companies often do not honor the coverage to the amount that they should. If you have been injured in an accident, you should contact an experienced auto accident attorney in St. Louis who can review your policy for uninsured and underinsured insurance coverage. If you have the coverage, our firm can help you recover the benefits you are owed.

We explore every avenue of recovery for our clients, including uninsured and underinsured motorist coverage. If you have the coverage, we can negotiate with or file suit against the insurance company for failing to provide fair compensation. Our team has tried more than 90 jury trials, so you can trust our insight.

Contact us online or call us at (314) 635-7606 to schedule your free initial consultation with one of our St. Louis car accident attorneys.

Our Case Results

We passionately represent every client.
  • $1.5 Million BWO Client
  • $650 Thousand Medical Malpractice Client
  • $510 Thousand Trench Collapse Injury
  • $200 Thousand Car Accident
  • $133 Thousand Slip and Fall at Work
  • $85 Thousand Injured By Assault at Work

Contact Our Firm Today

All of our cases are contingency based - you only pay if we win.
  1. We are willing to travel to you to discuss your case.
  2. We have been practicing personal injury law since 1984.
  3. You can trust us to respond to you and communicate clearly
  4. We are a team of highly awarded trial lawyers.
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