If you have been in an accident with an uninsured driver, it can feel overwhelming and uncertain. While the law requires drivers to carry insurance, not everyone follows the rules. It is important to understand the legal steps available to help you seek compensation for your damages.
Filing a claim
Missouri law mandates that all auto insurance policies include uninsured motorist (UM) coverage. This coverage helps pay for injuries caused by an uninsured driver. Ensure you file a claim with your own insurance company as soon as possible after the accident to cover medical bills and other injury-related expenses. Acting promptly helps avoid delays or complications with your claim.
Personal injury lawsuit
If UM coverage is not enough, you can file a personal injury lawsuit against the at-fault driver. Even without insurance, the driver may have other assets that could cover your losses. However, this process can be complex, particularly if the at-fault driver lacks the financial means to pay.
In Missouri, you have five years from the date of the accident to file a personal injury lawsuit related to an uninsured driver. Failing to act within this time frame can result in losing your right to pursue compensation.
Missouri’s compensation fund
Missouri’s Crime Victims’ Compensation Fund may offer assistance if you have suffered serious injury or financial loss from an accident involving an uninsured driver. This fund works to help victims of accidents or crimes and can serve as a last-resort option.
Understanding your options
Dealing with an uninsured driver can be challenging, but Missouri provides options for seeking compensation. By understanding the legal avenues available, you can take the necessary steps to recover from a car accident and address any financial burdens.