Missouri and Illinois law requires all motorists to have liability insurance in case of a car accident. Unfortunately, many drivers involved in auto accidents in St. Louis and across Missouri and Illinois are financially irresponsible and have no liability insurance or have inadequate insurance to pay for injuries and damages caused by a car crash. After a collision caused by an uninsured / underinsured motorist, your uninsured motorist policy should cover your bodily injuries up to the limits of your policy. But insurance companies often try to settle for a reduced amount. You may need an experienced St. Louis uninsured motorist accident attorney to obtain full compensation after an uninsured/underinsured motorist accident.

The experienced uninsured motorist accident lawyers at The Cagle Law Firm will evaluate your auto accident free of charge and explain your legal options. The uninsured or underinsured driver may lose their driver’s license for driving without insurance. But that won’t help you pay your medical bills or get back on your feet. You have a right to seek compensation for injuries suffered in a car accident caused by an uninsured driver.

Seek A Knowledgeable St. Louis Uninsured Motorist Accident Lawyer

Your Missouri uninsured motorist policy pays for bodily injuries caused in an auto accident, motorcycle accident or truck crash with an uninsured driver. It also covers injuries if you are a pedestrian struck by an uninsured driver. It also protects you from injuries caused by a hit-and-run driver.

Likewise, an Illinois uninsured motorist policy pays for bodily injuries caused in an auto accident with an uninsured driver.  But unlike Missouri, Illinois law requires that if you are involved in a hit-and-run accident, you must prove actual physical contact with another vehicle.

Missouri law requires that all automobile insurance policies sold in Missouri provide uninsured/underinsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Yet, approximately one in eight drivers in Missouri who claimed they were insured had no auto liability insurance, according to a Missouri Department of Insurance audit. While the state of Missouri attempts to enforce this financial responsibility requirement, many people still disregard the law and drive uninsured.

Illinois law requires that all automobile insurance policies sold in Illinois provide uninsured motorist coverage of $20,000 for bodily injury per person and $40,000 for bodily injury per accident.

It’s important to understand that uninsured motorist coverage does not pay for damage to your vehicle. It covers only bodily injuries.

Moreover, neither Missouri nor Illinois requires that an auto insurance policy provide underinsured motorist coverage.    Thus, when buying auto insurance in the states of Missouri or Illinois, we suggest you request underinsured motorist coverage.   If you have been in a car accident and are injured, please look at your auto insurance card.  Your auto insurance card should identify if you have underinsured motorist coverage.

If you get into a dispute with your insurance company about payment of uninsured motorists benefits, you may have to sue your own insurance company to cover injuries caused by an uninsured driver. These lawsuits are known as first-party claims, meaning the same person making the claim also purchased the insurance policy. The Cagle Law Firm, experienced St. Louis uninsured/underinsured motorist attorneys, will review your accident and advise you on your legal options.

 Call 1.800.685.3302 or locally 314.276.1681 for a free consultation.