Have you been involved in an
auto accident in Missouri? If so, hopefully the party at fault had enough insurance coverage to
pay for the damage to your car, your medical treatment, and damages for
your pain and suffering. In today's world, all too often this is not
the case and people drive around with minimum insurance coverage or no
coverage at all.
In accordance with Missouri law, a driver is only required to have a $25,000
policy. However, in serious accident situations, this minimum will not
cover an injured individual's medical bills.
For example, our law firm represented a family of six individuals who were
all injured in an auto accident while driving home from school in their
minivan. The person who hit them had a $25,000 minimum coverage policy
and no assets personally. Our clients' medical totaled well over $75,000.
Consequently, the policy limit had to be divided up between the six family
members and they were each only able to pay off a portion of their medical bills.
Like many people, our clients in the case mentioned above did not know
that they had the choice to purchase underinsured motorist coverage (UIM
coverage). UIM coverage is not required in Missouri and not all insurance
agents inform their clients about it. This coverage applies when the person
that hit you, the tortfeasor, has insurance but it is not enough to cover
the claim of damages.
If you have UIM coverage and are involved in an accident, it would be wise
to consult with an attorney before settling with an insurance company.
There are certain rules and requirements you must follow in order to recover
under UIM coverage. If you are in need of a lawyer to pursue such a claim,
contact the injury attorneys at Millikan Wright, LLC for a free consultation.