How Missouri Drivers Are Protected From Injuries Caused by an Uninsured Driver

Every day, uninsured drivers cause wrecks, seriously injuring others. In fact, uninsured drivers probably cause more wrecks than drivers who carry insurance. Some people in Missouri mistakenly believe that they have no recourse if they are involved in an accident with an uninsured driver, but this is not the case. In fact, if you have a policy of your own or live with an insured relative, then you have some protection. By state law, every policy of insurance also affords uninsured motorist coverage. Medical bills and injury expenses caused by an uninsured driver are covered under state coverage. The insurance company where you have your policy acts as an insurance company for the other driver. In Missouri, your auto insurance policy must provide coverage of at least $25 thousand. However, it is very beneficial to increase your uninsured motorist coverage to at least $100,000.

00. Those few extra dollars may be an excellent investment.

Just because you don’t have insurance, that doesn’t mean you have no protection in the event of an accident caused by another uninsured motorist. Section 379.

203 of the Revised Missouri Statutes prescribes the scenarios under which insurance companies must provide uninsured motorist coverage. For example, if you are a passenger involved in an auto accident with an uninsured driver, you are covered under the policy of the driver of your vehicle. Also, you are covered by the policy of a blood relative you live with, even if the relative was not in the car at the time.

Missouri laws also govern how an insurance company is allowed to process your claim under uninsured motorist coverage. There are a number of statues that provide remedies in the situation that an insurance company refuses to pay on such a claim. Ironically, in an accident involving another insured driver, there are no statutes that deal with your rights in relation to the defendant’s insurance company. Finally, if you have insurance on one car, but you are riding in another at the time of the accident, it does not matter. You are still protected by uninsured motorist coverage, which is said to "follow the person.

"The main point to remember from above is that if you are in an accident with an uninsured driver, you can make a claim with your own insurance company. Additionally, it is best to increase the coverage to as high as possible to best protect you and your family.

About The Author:
Josh Myers Law is a Missouri law firm that specializes in personal injury and workers compensation. Insurance companies will try to convince injury victims to accept less than their case is worth. If you have been injured in the state of Missouri, you should speak to a St. Louis injury attorney. To talk to a lawyer about your case with no obligation, visit www.joshmyerslaw.com today.

Tags: ST. LOUIS PERSONAL INJURY LAWYER, ST. LOUIS INJURY LAWYER, ST. LOUIS INJURY ATTORNEY, ST. LOUIS PERSONAL INJURY ATTORNEY, INJURY LAWYER, INJURY ATTORN

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Title:	How Missouri Drivers Are Protected From Injuries Caused by an Uninsured Driver
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How Missouri Drivers Are Protected From Injuries Caused by an Uninsured Driver