In Missouri, if you are hit by an uninsured driver you are allowed to file a claim on your uninsured motorist policy, or UIM. By state law, you are required to have insurance on your vehicle, so if you are hit by someone that is uninsured, you are claiming on your own uninsured motorist coverage.
A local car crash attorney could explain the nuances of Chesterfield uninsured motorist claims and help you determine the best approach for a full recovery. As these cases can be challenging without legal experience, it is advisable to reach out to a well-practiced lawyer from the onset of your case.
In Missouri, one thing that is important to understand about uninsured motorist coverage is a lot of times you can stack that coverage. For instance, if you have more than one car and uninsured motorist coverage on all of your vehicle, you could stack that. In other words, if you have $25,000 on four different cars you can stack that and up your coverage from $25,000 to $100,000.
There is also underinsured motorist coverage, which lot of times people will confuse with uninsured coverage. Underinsured, commonly referred as UM, is optional in Missouri, but it is always recommended to have as it is fairly cheap and provides important coverage. If you are involved in a serious accident and you are hit by an individual who has minimum coverage that may only have $25,000 and your car is damaged, it could be well over that amount so then you can claim it on your underinsured motorist coverage and lot of times that coverage is stackable as well.
If you are hit by someone that is uninsured or underinsured, typically it always falls on your own insurance. For that reason, it is always good to have high coverage on your vehicles so you are protected from the other negligent motorist that may cause harm to you or your family.
Med-Pay is a type of coverage that specifically applies to medical bills. This insurance follows you around, meaning whether you or in your vehicle, another’s vehicle, or traveling by foot, you would be covered by this insurance. Additionally, this insurance coverage also covers you even if the accident is your fault.
This is an additional insurance coverage, meaning it can be stacked on your existing health insurance coverage. If you suffered a catastrophic injury due to a collision with an uninsured driver, Med-Pay could pay your medical bills up to its policy limit in addition to your regular coverage’s policy limit. This type of coverage could also be highly beneficial in the event of a collision with an uninsured or underinsured motorist.
If you have been injured in a vehicle collision, it is important to speak with an experienced attorney right away. The insurance companies will try to settle for far less than you are owed, and they will try to get you to say things that will hurt your case. There is also evidence to be collected, investigation to be done, and you need to make sure that you get proper medical treatment right away.
At The Law Offices of Kevin J. Roach, we believe in getting to know our clients and dedicating ourselves to meeting their needs. We recognize that a “one size fits all” approach is inadequate to serving their best interests. Each time we take on a new client, we focus on what makes their case unique, and we use all of the available facts and resources to do what it takes to win the case.
Our law practice is dedicated to representing individuals and families that are suffering as a result of serious injuries or wrongful death. If you or a loved one has been injured in a vehicle collision, workplace injury, or other accident, you can count on Missouri attorney Kevin Roach to fight for the compensation you deserve.
At The Law Offices of Kevin J. Roach, we are dedicated to providing personal attention and aggressive representation to meet each and every one of our clients’ needs. To schedule a free, no-obligation case review with Missouri personal injury attorney Kevin Roach, contact us today. We could help you handle local uninsured motorist claims.