No Fees Until you Win
St. Louis uninsured & underinsured Lawyers
Being involved in an accident with an underinsured or uninsured motorist can be overwhelming and financially devastating. When the at-fault driver lacks sufficient insurance to cover your damages, you may feel uncertain about your options.
At Cantor Injury Law, we’re here to guide you through the complexities of these cases and fight for the compensation you deserve. With decades of experience and a proven track record, our team knows how to navigate insurance policies and hold negligent drivers accountable. Contact us today for a free consultation to learn how we can help.
What Should I Do If I’m In A Hit-And-Run Accident?
Knowing what to do after a car accident with an uninsured motorist can help increase your chances of a successful claim. Although most of us have an idea of what to do, many are unsure which steps to take when an at-fault driver does not have insurance.
1) Ensure safety and call 911
2) Seek medical attention
3) Collect witness information
4) Take photos at the scene
5) Notify your insurance company
6) Avoid accepting a quick settlement
What Does Your Uninsured Motorist Coverage Do?
In Missouri, you are required to purchase and carry current uninsured motorist insurance (UM) as part of your car insurance policy. This is part of your car insurance you probably never gave any mind until now when you need it.
In Missouri, your UM insurance coverage must meet these minimums:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
If you’re hit by an uninsured driver, your own uninsured motorist (UM) insurance coverage is designed to provide compensation up to your policy limit. Having robust UM coverage is crucial in these situations. If your insurance company undervalues or denies your claim, our experienced UM accident attorneys in St. Louis are here to fight for the compensation you deserve.
Can You Sue An Uninsured Driver?
Many people ask if they can bring a lawsuit directly against an uninsured driver, rather than filing a claim against their insurance company. The answer is yes, but it is seldom lucrative. Most people who do not own car insurance do so due to financial difficulties. The odds of being able to collect any suitable damages from them are low. It is better to assume you will be interacting with your insurance company for your UM insurance policy.
If you think suing the driver themselves is the right choice, then you can discuss the matter with our St. Louis uninsured car accident attorneys of Cantor Injury Law, and we will give you honest, straightforward legal advice about what to do.
The Most Common Injuries Sustained In Car Accidents
Car accidents often result in severe injuries that can require long-term medical care. We’ll fight to recover compensation that covers your medical expenses and supports your recovery.
Head & Brain Injuries
Back & Spinal Cord Injuries
Arm & Leg Injuries
Whiplash
Paralysis
Neck Injuries
St. Louis uninsured & underinsured Lawyers FAQS
The difference between uninsured (UM) and underinsured (UIM) coverage lies in the type of driver at fault. Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance at all, which means there’s no policy to cover your damages. Underinsured motorist (UIM) coverage, on the other hand, applies when the at-fault driver has insurance, but their policy limits aren’t high enough to cover the full extent of your damages. Both types of coverage are designed to protect you financially when the other driver cannot fully compensate you for your losses.
n Missouri, uninsured motorist coverage is mandatory, but underinsured motorist coverage is optional. We always recommend having both to ensure you’re fully protected in case of an accident.
You’ll need to notify your insurance company about the accident and inform them that the at-fault driver was uninsured or underinsured. From there, you’ll provide evidence of your damages, including medical bills, lost wages, and property damage. If you run into challenges, we’re here to handle the process for you.
Unfortunately, insurance companies sometimes undervalue or deny valid claims to save money. If this happens, we can step in and negotiate on your behalf or take your case to court if necessary. Our goal is to ensure you get the compensation you deserve.
How Cantor Injury Law Can Help
At Cantor Injury Law, we understand the challenges you face after an accident involving an uninsured or underinsured motorist. These cases can be complex, especially when dealing with insurance companies that may undervalue or deny your claim. Our experienced team is here to guide you through the process and fight for the compensation you deserve.
We start by thoroughly investigating your accident, gathering evidence such as police reports, medical records, and witness statements to build a strong case. For uninsured motorist (UM) claims, we’ll ensure your own insurance company provides the coverage you’re entitled to under your policy. For underinsured motorist (UIM) cases, we’ll work to secure the maximum compensation available, combining the at-fault driver’s coverage with your own UIM policy.
Our team handles all communication and negotiation with insurance companies to protect you from lowball offers or unnecessary delays. If the insurance company refuses to settle fairly, we’re fully prepared to take your case to court and fight aggressively on your behalf.
We work on a contingency fee basis, meaning you don’t pay us unless we win your case. Let us handle the legal complexities so you can focus on your recovery.
