A growing concern for motorists nationwide is uninsured drivers. Despite insurance being mandatory in most states, over 15% of drivers across the U.S. remain uninsured. In some regions, this number is nearly one in four drivers. 

If an Uninsured Driver is at Fault

In the unfortunate event that you're hit by an uninsured driver, the responsibility to cover damages often falls on your own insurance. Policies with uninsured motorist (UM) coverage can help pay for medical bills, lost wages, and even pain and suffering. In Missouri, there is way to suspend the at fault driver's driving privilege until the damages caused in the accident are satisfied. However, if you lack UM coverage, legal action against the at-fault driver may be your only recourse, depending on their financial situation. In both situations I can step in to help as your legal advocate. 

If You are at Fault

Regardless of the other driver's insurance status, your insurance will cover their damages if you're at fault. To shield yourself financially, consider additional coverages like collision coverage for repairs and Personal Injury Protection or MedPay for medical costs.

After a Hit-and-Run

Hit-and-runs are treated similarly to uninsured driver incidents. In such cases, immediate actions include calling 911, filing a police report, documenting the scene, and notifying your insurer promptly. UM coverage may also apply here.

Legal Action May Be Necessary

If injured by an uninsured driver, pursuing a lawsuit might be essential for full recovery of your damages. As your legal advocate, I can investigate the driver's financial situation, identify compensation sources, and build a robust case on your behalf.

If you've been involved in an accident with an uninsured driver or need to understand your options better, I'm here to help. As a personal injury lawyer in Kansas City, I specialize in guiding you through such uncertainties.