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Navigating the Unthinkable: What to Do If You’re in an Accident with an Uninsured Motorist in Missouri

Uninsured Motorist Accidents in Missouri: Your Step-by-Step Guide to Protecting Your Rights

Accidents can happen when we least expect them, and dealing with the aftermath can be overwhelming. But what happens when you’re involved in an accident with an uninsured motorist? In Missouri, where auto insurance is legally required, this situation can present unique challenges. 

Motorist Requirements and At-Fault Insurance State

In Missouri, automobile insurance is governed by certain requirements and laws to ensure adequate coverage and protection for drivers. Liability insurance is a fundamental type of coverage, including components such as Bodily Injury Liability Insurance, which provides financial protection if you are sued by someone injured in an accident where you are at fault. Property Damage Liability Insurance covers damages to others’ property in collisions where you are found at fault. Uninsured Motorists Insurance is also mandatory in Missouri, protecting you and your passengers in accidents with uninsured at-fault drivers.

The basic uninsured motorist policy in Missouri typically offers $25,000 in bodily injury coverage per person and $50,000 per accident. However, higher coverage limits are recommended to ensure comprehensive protection. It’s important to note that Missouri follows an at-fault insurance system, where the responsible driver is liable for damages. If the at-fault party lacks insurance or has insufficient coverage, your uninsured motorist insurance will compensate you up to your policy limits. To seek additional compensation, you may need to file a personal injury claim in court. 

If you’ve been involved in an accident with an uninsured or underinsured driver in Missouri, it’s crucial to consult with a personal injury attorney. They can provide legal guidance, protect your rights, and help you pursue the compensation you deserve. At McShane & Brady Law, our experienced team is dedicated to assisting clients in cases involving accidents with uninsured motorists. Contact us at McShane & Brady Law today for a consultation to ensure you receive the necessary legal support and representation. 

Steps to Take After an Accident 

However, being prepared and knowing the necessary steps to take can help protect your rights and ensure a smoother process. In this blog post, we will provide you with a comprehensive guide on what to do if you find yourself in such a situation in the state of Missouri.

  1. Stay Calm and Ensure Safety: The first and most crucial step is to stay calm and ensure your safety and the safety of others involved in the accident. Move to a safe location, if possible, and assess any injuries. Call 911 immediately if anyone requires medical attention.
  2. Seek Medical Attention: Even if you don’t initially feel injured, it is advisable to seek medical attention after an accident. Some injuries may not be immediately apparent, and a medical professional can evaluate your condition thoroughly. Additionally, medical records will be crucial if you need to pursue a personal injury claim.
  3. Contact the Authorities: Even if the accident appears minor, it is important to report the incident to the police. They will document the details of the accident and provide an official report, which can support your insurance claim.
  4. Gather Information: Collecting accurate and detailed information is essential for filing an insurance claim and protecting your rights. Be sure to exchange contact information, driver’s license numbers, license plate numbers, and insurance details with the other driver involved. Additionally, gather contact information from any witnesses present at the scene.
  5. Document the Scene: Take photographs of the accident scene, including vehicle damage, skid marks, and any relevant road signs or traffic signals. These visuals can serve as valuable evidence during the claims process.
  6. Notify Your Insurance Company: Inform your insurance company about the accident as soon as possible. Provide them with accurate information about the other driver’s lack of insurance coverage. Your insurance policy may include uninsured motorist coverage, which can help protect you in such situations.
  7. Consult an Experienced Personal Injury Attorney: Navigating the legal complexities of an accident with an uninsured motorist can be challenging. Consulting with an experienced personal injury attorney who specializes in uninsured motorist cases can provide you with the guidance and support you need. They will ensure your rights are protected and help you explore all possible avenues for compensation.

Being involved in an accident with an uninsured motorist can be a stressful and frustrating experience. However, by following the steps outlined in this guide and seeking professional legal guidance, you can protect your rights and pursue fair compensation. Remember, McShane & Brady Law is here to support you through every step of the process. Contact our experienced personal injury attorneys today for a consultation and let us help you navigate the aftermath of an accident with an uninsured motorist in Missouri.

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