100+ years of combined experience and over $200 million won for our clients in Missouri and Illinois. Contact a personal injury lawyer near you.
Free Consultation
(314) 500-HURTIn most car accidents, it is often asked in St. Louis whether can someone sue you for a car accident if you have insurance. The simple answer to this is yes, having insurance does not protect you from lawsuits. At Burger Law, we understand how stressful and unclear such situations can feel, especially regarding your rights and responsibilities.
Yes, you can get sued for a car accident even if you have insurance. While insurance provides financial protection, it doesn’t prevent someone from pursuing legal action. Missouri operates under a comparative fault system, meaning liability is allocated based on each party’s degree of fault in the accident as outlined by the Missouri Department of Insurance. If another driver or passenger believes you were at fault, they can initiate a claim for damages through a lawsuit.
In St. Louis, lawsuits may arise if:
Becoming familiar with Missouri’s legal and insurance framework can help you handle these situations more effectively. For example, Missouri law requires drivers to carry minimum liability insurance, but those limits may not always suffice in significant accidents.
If you find yourself in this situation, it’s essential to remain calm and proactive. Acting swiftly by contacting your insurance provider and consulting an attorney can make a substantial difference in how your case is resolved.
Facing a lawsuit can be daunting, but taking the right steps can improve your outcome. Here’s what to do:
Knowing how it works may ease some of the pressure. For example, in the case of court cases, your insurer usually assigns an attorney to represent you. However, ensuring that you’re adequately represented may require seeking additional legal advice.
Most car insurance policies cover lawsuits, but specifics depend on your policy type and limits. In Missouri, liability insurance—required by law—covers damages for bodily injury and property damage. Minimum coverage includes:
These minimums may not suffice in severe accidents. For instance, $25,000 liability wouldn’t cover $100,000 in damages, leaving you responsible for the $75,000 shortfall. Therefore, due to this risk, most drivers choose to carry much higher limits or umbrella policies.
Large consequences can occur when damages exceed your insurance coverage.
It is important to keep your insurance coverage adequate and contact lawyers as soon as possible, just after being served. Other useful resources, such as the South Carolina Department of Insurance, are equally very valuable in discussing ways of protecting your liability effectively.
Facing a lawsuit or needing guidance after a car accident can be overwhelming. Burger Law is here to represent and support you in court in St. Louis-deserving the best. Do not leave your future to chance, and contact us today or call at (314) 500-HURT for a consultation.
Similar Blog Posts
Distracted driving is a major cause of accidents, and one significant yet often overlooked factor is Cognitive Distractions While Driving. These are those distractions that take th... read more.
Of the many questions a person is likely to face following an auto accident, perhaps the most basic and important will be: "How do adjusters determine who is at fault in a car acci... read more.
A fundamental issue related to pedestrian safety is, Where do the majority of pedestrian-motorist crashes occur? Understanding the answer to this question is vital for both pedest... read more.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Gary Burger who has more than 30 years of legal experience as a practicing personal injury trial attorney. Gary’s robust legal knowledge is recognized by his peers as demonstrated by his industry awards and frequent Continuing Legal Education (CLE) lectures.
NO FEES UNTIL WE WIN YOUR CASE
We offer free consultations and are available 24/7 to take your call. Live chat, text, and virtual meetings are available.
or call us at