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If you were recently in a car accident that was caused by an underinsured driver, you may need the help of a St. Louis underinsured motorist accident lawyer to help you get the compensation you deserve. Legal counsel can help walk you through the complexities of car wrecks and help you decide what legal actions to take next.
It is illegal to drive a car in Missouri or Illinois without insurance, and every insurance policy is required by law to include uninsured motorist coverage. However, most states do not require underinsured motorist coverage, and though it is relatively inexpensive, most insurance agents do not bother to tell you about it. To protect yourself, understanding underinsured motorist coverage is extremely important.
In Missouri, a driver is in compliance with the law if he or she has at least $25,000 of liability insurance coverage. Let’s say that you are walking along on a sidewalk and that driver drives off the road, hits you and you are hospitalized with a broken leg. Without question, your medical bills alone will exceed $25,000. Once the negligent driver’s liability insurance company pays all of his coverage, you still have outstanding bills, unpaid lost wages and you were not compensated for your pain and suffering. On the other hand, if you had $100,000 of underinsured motorist coverage, you could make a claim against your own insurance company to pay the difference.
The difference between uninsured motorist and underinsured motorist coverage is extremely important for that reason. Your uninsured motorist coverage will NOT pay the difference if the at-fault driver has at least minimum coverage.
Once you have to make a claim against your own insurance company, it is not necessarily smooth sailing. Suddenly, your own insurance company is working against you to pay you as little as possible. If you’re in this situation, contact one of our St. Louis car accident lawyers immediately.
We’ve been in the personal injury field since 1949, so we have the experience to get you the coverage and compensation that you deserve. Contact us online or call [phone-muner linked=true] so we can discuss your case.
“I was hurt in a car accident, and my attorney Christopher S. Saracino, Jr. and Courtney Mayer worked tirelessly to make sure I got all the help I needed to help with my recovery…
Goldblatt + Singer Law Firm TRULY CARES about their clients! They keep you informed about what is going on every step of the way. If you have any questions, they call you back right away (Even after regular working hours). GOLDBLATT + SINGER IS THE BEST LAW FIRM TO CHOOSE if you’re involved in an accident. I HIGHLY RECOMMEND this law firm!”
“I had a horrible accident and I knew my hospital bills were going to be ridiculously high and I had no idea what to do…
A friend referred me to this company and from the beginning they made me feel like I had someone on my side. They didn’t only call about my case, but to check on me and see how I was feeling. The experience I had with them was amazing and I would refer everyone to let them assist you with your problem!”
“Passing through the St. Louis area, I suffered a bad injury at a local business…
I called Amanda at Goldblatt + Singer to talk through what happened. Amanda and her team took my case and made sure I was taken care of from beginning to end.”
“Thank you for all you’ve done in helping me recover! I wanted you to know how much you are appreciated…you’ve been such a great help to me in many areas. God bless you for your services as a great attorney.”