Unfortunately, uninsured motorists make up about 50% of drivers in the inner cities of many metropolitan areas, scary, right? So, how can you be sure that you are protected in the event that you are involved in an accident with an uninsured motorist? The first thing you can do is to closely examine your insurance policy.
Uninsured and underinsured benefits should be shown separately on your declaration sheet. They will show amounts of coverage available per individual and per accident that will be provided should you get into an accident with an uninsured motorist. If you make sure you are covered ahead of time, this will likely save you lots of money and headaches in the long run.
It’s common for people to purchase small amounts of uninsured motorist coverage, Missouri requires $25,000, but this decision may be one they regret. If the damages are more than the amount of coverage, you will only receive the amount of coverage that you have for your losses. This is why a Missouri car accident lawyer recommends that you buy the same amount of uninsured motorist coverage as you do regular coverage.
If you have been involved in an accident with an issue of inadequate insurance coverage, you may not need an attorney. What you do need after any Missouri car accident is helpful and accurate information to keep you from making a mistake that could wreck your claim. Order a FREE copy of the book, The Missouri Accident Book: Dealing with the Aftermath. It will arm you with the information necessary to make all the right moves after your Missouri car accident.
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