Being involved in a car accident is stressful enough. You have to deal with injuries, vehicle damage, and the hassle of insurance claims. But what happens when you discover the other driver involved in the accident doesn’t have any insurance? This unexpected situation can leave you feeling vulnerable and unsure of your next steps. At Sticklen & Sticklen, we understand these concerns, and we’re here to provide clarity and guidance if you find yourself in this challenging situation in Missouri.
Missouri law requires drivers to maintain a certain level of auto insurance. However, unfortunately, not everyone abides by this law. When you’re involved in an accident with an uninsured driver, it doesn’t mean you’re left without options. Understanding your rights and the available avenues for compensation is crucial.
Your Own Uninsured Motorist Coverage
One of the most important protections you have on your auto insurance policy is Uninsured Motorist (UM) coverage. This coverage is designed to protect you when you’re injured by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. Every Missouri automobile insurance policy comes with Uninsured Motorist coverage (UM). Your own insurance company can step in to pay for your medical expenses, lost wages, pain and suffering, and other damages, up to the limits of your policy. Sticklen and Sticklen has helped hundreds of clients over the years with their Uninsured Motorist Claims.
Bring your automobile insurance policy to our office and we can review the policy together. We will almost undoubtedly put your mind at ease and work for the compensation you deserve.
What Steps Should You Take?
Even though the other driver is uninsured, it’s still essential to take the same steps you would in any other car accident:
- Ensure your safety: Check for injuries and move your vehicle to a safe location if possible.
- Call the police: A police report can be a crucial piece of evidence, especially when dealing with an uninsured driver.
- Exchange information: Obtain the other driver’s name, contact information, and vehicle details, even if they don’t have insurance information to provide.
- Document everything: Take photos of the accident scene, vehicle damage, and any visible injuries. Gather witness information if there were any.
- Notify your insurance company: Inform your insurance provider about the accident, even if you plan to pursue a claim through your UM coverage.
Why Legal Guidance Matters
Dealing with an uninsured driver can be more complex than a typical insurance claim. Your own insurance company, while providing UM coverage, still has its own interests to protect. Having an experienced personal injury attorney on your side can ensure your rights are fully protected and that you pursue the maximum compensation you are entitled to under your policy.
At Sticklen & Sticklen, we have a deep understanding of Missouri’s insurance laws and the intricacies of uninsured motorist claims. If you’ve been injured in an accident with an uninsured driver in Joplin, Columbia, or the surrounding areas, don’t navigate this challenging situation alone. Contact us today for a free consultation to discuss your case and explore your legal options. We’re here to help you recover and move forward.