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An at-fault driver’s insurance carrier is expected to cover the resulting costs of a car accident in Missouri. Therefore, you may be unsure of what happens if the driver who hit you is uninsured.
Drivers are required by law to carry liability insurance to pay for any damage or harm they cause.
After an accident, an insurance company may decide to total your car if it costs more to repair it than to replace it. In which case, they will refuse to pay for repairs but will give you money for the car’s actual cash value.
Despite the COVID-19 pandemic and a lower volume of traffic, preliminary reports show that traffic deaths in Missouri actually increased by 12 percent from 2019 to 2020 and continued to rise throughout 2021. In fact, 2020 reflected Missouri’s highest number of traffic fatalities since 2007.
After a car accident, it is the insurance companies that will determine fault. Here is what they will consider when deciding.
A police report doesn’t always have the final say, but the officer will provide an objective opinion on how they believe the accident occurred.
A personal injury accident can leave you facing a lengthy recovery, and you may be unable to return to work for some time. One of the biggest concerns you may have is how you will supplement that loss of income. Fortunately, victims are entitled to seek reimbursement for lost wages through a personal injury claim.
If you are facing any type of paralysis following a personal injury accident, the resulting financial costs can also be devastating. If you are filing a personal injury claim, any settlement offer by the insurance company will not automatically include long-term costs.