When the unexpected happens, and you are in an accident with an uninsured driver, it’s important to know you’re not alone.
Accidents on the road are a grim reality we face daily. In St. Louis, Missouri, one particular issue compounds the problem: uninsured motorists. According to recent statistics, Missouri has one of the highest rates of uninsured drivers in the United States, making it crucial for St. Louis residents to understand the risks associated with uninsured motorists.
The Legal Requirements in Missouri
Missouri law requires every motorist to carry auto insurance. Specifically, drivers need liability coverage for $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage. Unfortunately, despite these clear requirements, an estimated 16% of drivers in Missouri are uninsured.
The Dangers of Uninsured Motorists
Uninsured motorists pose significant risks to other drivers, passengers, and pedestrians. If an uninsured driver causes an accident, the victims may find it challenging to receive the compensation they need for medical bills, lost wages, and property damage.
Moreover, if you are involved in an accident with an uninsured motorist, your insurance rates could increase, even if the accident wasn’t your fault. It’s essential to understand these risks and take steps to protect yourself.
Protecting Yourself Against Uninsured Motorists
One of the best ways to safeguard yourself is by adding uninsured motorist (UM) coverage to your auto insurance policy. UM coverage can help cover your expenses if you’re involved in an accident with an uninsured driver who is at fault.
But what if the at-fault party has no insurance, and you don’t have UM coverage? Legal action against the uninsured driver is often your best recourse in such cases. However, this can be a complex and challenging process.
How a St. Louis Car Accident Lawyer Can Help
If you are in an accident with an uninsured driver, it’s important to consult with a St. Louis car accident lawyer as soon as possible. A skilled lawyer can help you understand your legal rights and explore all avenues for compensation.
The Hoffmann Law Firm, based in St. Louis, has a long history of helping accident victims navigate the legal system. We understand the unique challenges uninsured motorists present and can help victims obtain the compensation they deserve.
Getting involved in an accident can be a traumatic experience. The situation becomes even more stressful when the at-fault party is uninsured. Having an experienced legal team by your side can make a significant difference in such scenarios.
Speak With a St. Louis Car Accident Lawyer
As St. Louis continues to face high numbers of uninsured motorists, we must proactively understand and exercise our legal rights. Ensuring your insurance policy adequately covers you is a significant first step. However, when the unexpected happens, and you are in an accident with an uninsured driver, it’s important to know you’re not alone.
At The Hoffmann Law Firm, we’ve built our reputation on supporting victims of car accidents in these very scenarios. We understand the complications that arise when the at-fault party is uninsured, and we’re committed to navigating these challenges to ensure our clients get the justice they deserve.
Have you or a loved one been involved in a car accident with an uninsured motorist?
If so, you don’t have to face this alone. Reach out to us 24/7 at (314) 361-4242.
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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!