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Hi! I’m Gary Burger at Burger Law, here to talk about uninsured motorist coverage. So, if the negligence of another driver injures you or a member of your family and they do not have insurance, you have insurance for your own policy called uninsured motorist coverage. It’s required by law in all 50 states. In Missouri and in Illinois, it’s $25,000 minimum.

So, if someone hits you and you’re not insured, you have a claim against your own insurance company for uninsured motorist coverage and you treat that as if it was the other side’s insurance company. You go to the doctor; you get your medical care; you continue to treat; you have damages for your medical expenses, damages for your wage loss, damages for any disability you have, any scar you have, damages for your pain and suffering. And, you make that claim against your own insurance company. And many times the property damage adjuster is different than the adjuster for an uninsured claim. So, if the other side doesn’t have insurance, you want to make sure you advise your insurance company about that and you tell them you have that you have an uninsured claim.

We have many uninsured claims because sometimes unfortunately insurance companies are a best source of business. They don’t pay you. They don’t pay you fairly. They want to pay you 50%, 60% of your damages rather than the 100% that I insist on getting for my clients, or they will discount some of your damages, or they’ll say you delayed in treatment too long, or any one of a myriad of things.

So, just because you have an uninsured claim, that doesn’t make it any less of a claim. It doesn’t change your damages or doesn’t change your suffering or what you’re going through, so make sure you’re as vigilant and zealous about your uninsured claim as your regular claim, and you will provide them the proof of your wage loss, the medical damages, all those other things to make sure that you advise them all your damages.

When we take uninsured claims, we’re very aggressive with them. We make sure we get maximum recovery. We file suits against the insurance company. We sue them, and then the defendant at trial is the insurance company and not the insured, and if you’ve been paying premiums to an insurance company for a long time, you ought to get fully compensated when you eventually have a claim.

Thank you. If you have any questions, contact the personal injury lawyers at 314 542 2222 or www.burgerlaw.com. Thanks.

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