Although Missouri and Illinois laws require that all drivers have car insurance, many motorists fail to have such coverage, as they may be unable to afford it or they may simply choose not to comply with the law. As a result, it’s crucial that drivers have uninsured motorist coverage so that they are fully protected in the event they get into a car accident with an uninsured driver. Having uninsured motorist insurance coverage is crucial because it can:
- Cover the costs of your property damage and personal injuries when you are in a car accident with an uninsured driver (and the coverage will not increase your insurance premiums)
- Make up the difference in coverage for your property damage and personal injuries if you are in a car accident with an underinsured driver (meaning that your insurance will cover what is not covered by the other driver’s insurance company).
Dealing with Insurance Companies
Whenever you have a car accident claim, dealing with insurance companies can be tricky; therefore, it’s important to point out that:
- Drivers in Missouri and Illinois are required by law to have uninsured motorist coverage as part of their liability insurance coverage. However, insurance companies have very specific rules regarding when they will and will not payout on these claims and what exactly is covered by uninsured motorist insurance.For example, while insurance companies in Missouri and Illinois will generally not pay on uninsured motorist claims if the uninsured motorist is not found to be at fault in the accident, in Illinois, uninsured motorist claims can be denied if a driver fails to call police and obtain a police report following an accident with an uninsured driver.
- Insurance companies will often deny legitimate claims on car insurance policies for simple mistakes in paperwork or other minor mishaps. Additionally, insurance companies will often try to settle uninsured motorist car accident claims as quickly as possible and for less than a driver may be entitled to. As a result, it’s crucial that drivers in such accidents work with experienced car accident lawyers who will aggressively defend their rights and help them secure the maximum possible compensation for their injuries and losses.
St. Louis Car Accident Lawyers
The St. Louis car accident lawyers at Brown & Brown Attorneys at Law have a long-standing commitment to serving our clients, and we are experienced at aggressively defending our clients’ rights in any legal setting. Our goal is to preserve and promote the rights and welfare of individuals and families who have suffered injuries and losses and/or who need help navigating through the complexities of the court system.
Since 1993, our lawyers have been successfully representing our clients in traffic accident cases, workers’ compensation cases, wrongful death cases, defective product and dangerous drug cases and various other areas of personal injury litigation. Our unwavering dedication to the pursuit of justice in every case we handle means that we will work relentlessly to help our clients achieve the best possible outcomes to their cases.
If you were involved in a car accident and are currently in need of a Missouri or Illinois car accident lawyer, we encourage you to email us using the form at the right-hand side of the screen and/or to call us at (573) 333-3333 for our Missouri office or at (618) 888-8888 for our Illinois office. We offer free consultations.