Uninsured and Underinsured Motorists

Springfield / Jefferson City / Columbia
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After an injury changes your life forever, don’t take on an insurance company alone.

Accidents Involving Uninsured And Underinsured Motorist

Springfield / Jefferson City / Columbia

Uninsured and Underinsured Car Accident Attorneys

When you’re in an accident with an uninsured motorist, there can be challenges to getting the compensation you deserve. The first thing to do when involved in a car accident like this is to check your insurance policy. You may have uninsured motorist coverage, which will help your case significantly. Many states require this coverage. If you don’t have uninsured driver coverage, don’t lose hope of receiving compensation.

Listen as car accident attorney William Beadle explains the benefits of uninsured and underinsured driver insurance.

Uninsured vs. Underinsured Motorists

Uninsured drivers are those who don’t have liability insurance. Underinsured drivers have insurance but are limited to low coverage that won’t pay for the total amount of your damages and expenses from the accident.

In Missouri, insurance for uninsured motorist accidents resulting in bodily injury is required. Underinsured insurance, however, is not required.

A woman calling an uninsured motorist attorney after a car accident.

Know Your Options

You’re not alone in this process. Many people feel confused and overwhelmed when dealing with situations like this. We’ll help take some stress off of your shoulders so that you can focus on your healing process.

There are a variety of avenues we will explore to ensure you have the best chance possible of receiving the compensation you deserve, including:

  • Maintaining in-depth communication with the at-fault driver's insurance company and your insurance company
  • Exploring recovery from the driver's assets
  • Investigating if the driver was impaired in any way
  • Working with at-fault driver's employer if they were working at the time of the accident

We’ll exhaust all of your possible options and help you through the process.

What to Do After an Accident with an Uninsured Driver

If you have been in an accident and suspect the other driver has no insurance or limited coverage, take these steps:

Report the accident to law enforcement and document the scene if you are able. Contact your own insurance company to find out whether you have uninsured or underinsured motorist coverage on your policy. Do not accept a settlement or sign any documents before speaking with an attorney. Call Tolbert Beadle for a free consultation.

Frequently Asked Questions

Yes. Missouri law requires all drivers to carry uninsured motorist coverage with minimum limits of $25,000 per person and $50,000 per accident for bodily injury. Underinsured motorist coverage is not required but can be purchased as an optional addition to your policy.

Yes. If the other driver is uninsured, you may be able to file a claim through your own uninsured motorist coverage. Even if you do not have that coverage, there may be other avenues for recovery, including pursuing the at-fault driver’s personal assets. An attorney can review your situation and identify your options.

If the at-fault driver is underinsured, their policy may not be enough to cover your medical bills, lost wages, and other losses. In that situation, your own underinsured motorist coverage may cover the gap. Tolbert Beadle can review your policy and pursue all available sources of compensation.

Missouri’s statute of limitations for personal injury claims is generally five years from the date of the accident. However, insurance policy deadlines may be shorter, so it is important to contact an attorney as soon as possible after the crash.

Yes. Tolbert Beadle represents clients in Springfield, Jefferson City, and Columbia. If you were injured by an uninsured or underinsured driver anywhere in these areas, you can call 1-800-887-4030 for a free consultation.

Get Excellent Uninsured and Underinsured Motorist Content

Want to learn more about uninsured and underinsured motorist accidents? Check out our blog for an in-depth look at how to protect yourself and what to do if you’re the victim of an uninsured or underinsured motorist accident.

Learn More

Contact A Car Accident Lawyer Now

If you’ve been involved in an accident with an uninsured or underinsured driver, don’t hesitate to reach out to us. Our personal injury experts can walk you through the various steps and give you the facts about your case.

Call today to schedule a free consultation with Tolbert Beadle to begin your journey on the road to recovery.

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