How Do I File a Claim if the Other Driver is Uninsured?

In Missouri, people who are injured in a car accident have the right to pursue a claim against the at-fault driver’s insurance policy. However, not all drivers follow the law and drive with this important coverage. In situations involving uninsured drivers, you may wonder how you could possibly file a claim.

If you are involved in an accident with an uninsured driver, you do have options to recover compensation. As long as you have uninsured motorist (UM) coverage, you can file a claim and secure a settlement to pay for medical care and other losses.

Missouri Car Insurance Laws and Requirements

Missouri is a fault-based accident state, meaning that negligent drivers are financially responsible for any collisions that they cause. To protect motorists in these situations, state law requires that drivers carry two types of insurance coverage: liability insurance and UM coverage.

Liability coverage pays for medical bills, property damage, and other costs incurred by injured parties in a car accident. All drivers must carry the following amounts of coverage, and may purchase more if they wish:

UM coverage pays for medical expenses and other costs if you are involved in an accident caused by a driver who does not have insurance. Missouri requires drivers to carry the following minimum amounts of UM insurance:

Keep in mind that UM coverage does not pay for property damage costs, like vehicle repairs. You may need to purchase optional insurance coverage, like collision insurance, to pay for these losses.

What Is the Penalty for Driving Without Insurance in Missouri?

Penalties for driving without insurance can be steep. Depending on the circumstances surrounding your case, you could face a driver’s license suspension of up to one year and face reinstatement fees of up to $400.

You could also have an order of suspension lodged against you and get up to four points assessed against your driving record. To avoid these consequences, it is important to comply with these laws and carry the required coverage.

Your Legal Options After a Collision with an Uninsured Driver

If you are injured in a car accident with an uninsured driver, you can still file a claim and recover compensation for your losses. As long as you carry the minimum insurance required by Missouri law, you can pursue a claim under your own UM coverage and secure a settlement up to your policy limits.

Sometimes, your damages may exceed the amount of coverage that you carry. In these situations, you could pursue a personal injury lawsuit against the uninsured driver to recover the remaining amount.

It is important to keep in mind that many people who do not have insurance may not have the money to pay for a settlement out of pocket. To determine your optimal path to recovery, discuss your legal options with a Kansas City car accident lawyer.

Navigating an uninsured motorist claim can be challenging alone. As soon as possible following your accident, contact a Kansas City car accident attorney who can represent your case to discuss your next steps.