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(314) 500-HURTBeing in an accident is shocking enough, but when the other driver tells you that they don’t have insurance, you may
go into panic mode. You may be thinking, who is going to pay for the damages to your car, who is going to pay for
your injuries, is this othe driver going to be held accountable or are you on the hook because they don’t have any
coverage? If you’ve been involved in an accident with another driver, and they don’t have insurance but you do,
don’t worry. Your insurance provider is required to carry uninsured driver coverage, and you can make a claim
agaisnt your own insurance to recover the damages to your vehicle and your person.
If you need help with your uninsured driver claim, or you don’t think your insurance provider is treating you fairly,
call our firm. Our Personal Injury Lawyers in St. Louis can help you with your claim, and
make sure that the insurance company you’ve been paying hundreds of dollars to every month is held accountable to
your agreement.
First, no one should drive without insurance. It puts you and your car at risk, your financial security at risk, and
it also puts other drivers at risk if you don’t have it. Always have insurance on your vehicle. Missouri Law requires it, as well as many other
states. Be safe, be insured.
Now that we’ve covered whether or not your should have insurance, lets continue. If you’ve been hit by an
uninsured driver, you aren’t on the hook for the entire bill. Just because the other driver can’t
immediately pay doesn’t mean that they won’t be required to later, or that you have to front the bill now. Every car
insurance provider is required to carry uninsured driver coverage. This means that if you’ve been hit by an
uninsured driver, you can make a claim against your own provider. You would make this claim the same way that you
would if you had been involved in an accident with a driver who did have insurance.
Here is a PDF
breakdown of what qualifies as an Uninsured Accident. While you may think that uninsured only applies to
driver’s that don’t have insurance, it actually includes much more. Here are several examples of when an uninsured
driver claim would apply:
Here are the cases where uninsured accident coverage would not apply:
This list does not include every instance where Uninsured Coverage would apply. Remember, if you were struck by an
uninsured driver, and you don’t own their vehicle, you can puruse a claim against your insurance policy, and most
likely a lawsuit agaisnt the other driver to recover other damages. You have rights under Missouri Law and you
absolutely can use them. If you have any questions about the uninsured coverage process, how you can begin your
claim, or if you need help dealing with your insurance company, give our firm a call. Our Personal Injury
Lawyers in St. Louis can help you get the legal guidance you need as well as the settlement you
deserve.
Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO
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