St. Louis Underinsured Driver Accident Attorney

If you’re involved in a car accident with an underinsured driver in St. Louis, it’s crucial to take specific steps to protect your interests. First, ensure everyone’s safety and call 911 if medical attention is needed. Then, document the accident scene with photos, gather witness information, and exchange insurance details with the other driver. It’s vital to notify your insurance company about the accident, but consider consulting with a St. Louis car accident lawyer before accepting any settlements. An experienced attorney can help navigate Missouri’s insurance laws and pursue compensation through your underinsured motorist coverage or other legal avenues.

Following an accident with an underinsured motorist in St. Louis, prioritize safety by moving to a secure location and contacting emergency services if required. Document the scene thoroughly and exchange information with the involved parties. Notify your insurance provider about the incident, but avoid making any formal statements or agreements. Contact a St. Louis-based car accident attorney specializing in underinsured motorist claims. They can advise on the next steps, such as filing a claim under your underinsured motorist coverage and exploring other compensation options under Missouri law.

Underinsured motorist coverage in Missouri is designed to provide additional protection if you’re involved in an accident where the at-fault driver’s insurance limits are insufficient to cover your damages. This coverage kicks in to cover the difference between what the at-fault driver’s insurance can pay and your actual losses, up to the limits of your policy. It’s important to have a clear understanding of your policy’s terms and consult with a St. Louis car accident attorney to effectively navigate the claims process.

Yes, you can sue an underinsured driver in St. Louis if the driver’s insurance coverage is not enough to compensate for your damages. However, it’s essential to consider the driver’s ability to pay any judgment awarded in court, as many underinsured drivers lack the assets to cover significant damages. Consulting with a knowledgeable car accident lawyer in St. Louis can help you assess the viability of a lawsuit and explore other compensation avenues.

Missouri law requires all motor vehicle owners to carry liability insurance with minimum coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Additionally, Missouri drivers must have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. These minimums may not fully cover damages in a serious accident, highlighting the importance of having adequate underinsured motorist coverage.

A St. Louis car accident lawyer can provide invaluable assistance with an underinsured motorist claim by reviewing your insurance policies to determine available coverages, negotiating with insurance companies to secure a fair settlement, and filing a lawsuit if necessary. They can also help identify other potential sources of compensation, such as personal assets of the at-fault driver or third-party claims, ensuring you receive the maximum compensation possible under Missouri law.