Uninsured (UM) And Underinsured (UIM) Motorists

What to do When In an Accident with an Uninsured or Underinsured Driver? We can Help!

When you are injured in an accident, one of the first things you need to determine is how much insurance coverage the at-fault driver possesses. Missouri law only mandates that individual drivers possess $25,000 per person and $50,000 per occurrence in liability insurance. Despite this mandate, some drivers allow their policies to lapse and may not have any coverage at the time of an accident.

When the at-fault party does not have insurance, he or she is referred to as an uninsured driver. When your damages exceed the applicable insurance coverage of the at-fault party, he or she is referred to as an underinsured driver.

If you have been in an accident where the at-fault driver is uninsured or underinsured, you still have legal options. You may be able to seek damages from your own insurance company, or seek to collect from the personal assets of the driver in question. Determining the correct course of action is not something you should try to do on your own.

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Here at Ryan R. Cox & Associates, we offer all of our new clients a free consultation to discuss the details of your case. We can meet with you in our office, at your home, or in the hospital based on your particular needs. Please contact us to go over your case and help you every step of the way.