Getting Compensated Through Uninsured Motorist Coverage in Missouri

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When a negligent driver hits you and takes off, it can be very frustrating. You know you’re not at fault, you know someone else did this to you, but you fear you will not be able to prove it. Fortunately, under Missouri law, you have a right to be compensated by your own insurance company, through uninsured motorist coverage.  Skilled Kansas City auto accident lawyers can help you fight for the compensation you deserve, even if the other driver ran off.

Missouri Uninsured Motorist Coverage

uninsured motorist compensation missouri
Don’t let an uninsured motorist complicate your car accident claim.

If you are in doubt about what type of insurance coverage is required in Missouri, you can go directly to the Department of Insurance for answers. But, for the sake of simplicity, all Missouri insurance policies include uninsured motorist coverage. If your policy was written for you in Missouri and does not include uninsured motorist coverage, then you should report this to the Department of Insurance and consider finding a different company. Uninsured motorist coverage cannot exceed the amount of liability coverage you carry.

Situations Uninsured Motorist Insurance Will Cover

In general, uninsured motorist coverage is designed to cover two general situations in Missouri. These are:

Uninsured at-fault drivers

If the driver who causes a collision carries no auto insurance, then you may file a claim with your own insurance company. Of course, your insurance company has a right under your policy to request proof that the other driver is uninsured. This can be quite difficult to prove in some cases, but an experienced lawyer can usually obtain verification from the State of Missouri.

Hit and run

When the other driver takes off, it can be very difficult to prove liability or obtain compensation from the other vehicle. But the good news is uninsured motorist coverage is designed for this reason as well. Sadly, many Missouri insurance companies will try to avoid paying, based on silly and even laughable grounds.

Situations that Uninsured Motorist Insurance Will NOT Cover

There are, of course, things your uninsured motorist policy will not cover. In most cases, it will not cover these:

Phantom vehicles

If you claim that a phantom vehicle ran you off the road, and you hit a tree, you would generally have to have some evidence that another vehicle was involved. A witness, video proof, or some other type of evidence may suffice. But completely unwitnessed phantom accidents are usually denied.

Passengers in non-owned vehicles

Uninsured motorist coverage is designed to protect you and your passengers from injuries in your car. When you are in a vehicle you do not own (e.g. rental cars, loaners, dealership test drivers, etc.), many uninsured motorist policies will exclude your passengers’ injuries. This is why it’s important to for all Missourians to carry auto insurance.  

If you are at fault

There are types of coverage that can help with your medical bills, even if you are at fault, such as medical payment coverage. But uninsured motorist coverage is just designed to pay for your injuries if another party is at fault but fails to have insurance. It will not pay if you caused the crash.

Get Help With Your Kansas City Uninsured Motorist Claim

If you’ve been seriously injured by an uninsured motorist in the Kansas City area, you deserve aggressive representation to help you recover for your injuries, even if it means fighting your own insurance company. At the Krause & Kinsman Law Firm, we work hard to recover compensation for our clients, and we never take a fee unless we can recovery. Call us for a free consultation today.

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The Krause & Kinsman Law Firm is made up of some of the nation’s foremost legal minds in the mass-tort field. That’s why our clients & co-counsel partners choose us.

Plaintiffs’ Steering Committee, and Co-Chair of the Law & Briefing Committee in MDL 2846:

In Re: Davol, Inc./C.R. Bard, Inc., Polypropylene Hernia Mesh Products Liability Litigation

Plaintiffs’ Steering Committee in MDL 2974:

In Re: Paragard IUD Products Liability Litigation

Plaintiffs’ Steering Committee in MDL 2924:

In Re: Zantac (Ranitidine) Products Liability Litigation

Along with the aforementioned MDLs,

Plaintiff’s Counsel has prosecuted thousands of cases across other Multi-District Litigations and Mass-Torts, including:

MDL No. 3043:

Acetaminophen ASD/ADHD Product Liability Litigation

MDL No. 2753:

Atrium Medical Corp. C-Qur Mesh Products Liability Litigation

MDL No. 2782:

Ethicon Physiomesh Flexible Composite Hernia Mesh Products Liability Litigation

MCL No. 627:

In Re: Physiomesh Litigation, MCL

MCL No. 633:

In Re: Prolene Hernia System Mesh Litigation

MDL No. 2750:

Cook Medical, Inc., IVC Filters Marketing, Sales Practices and Products Liability Litigation

MDL No. 2641:

Bard IVC Filters Products Liability Litigation

MDL No. 2326:

In Re: Boston Scientific Corp. Pelvic Repair System Products Liability Litigation

MDL No. 2606:

Benicar (Olmesartan) Product Liability Litigation

MDL No. 2666:

In Re: Forced Air Warming Devices Products Liability Litigation

MDL No. 2591:

Syngenta AG MIR162 Corn Litigation

MDL No. 2936:

In Re: Smity’s/CAM2303 Tractor Hydraulic Fluid Marketing, Sales Practices and Products Liability Litigation

MCL No. 630:

In Re: Proceed Mesh Litigation

MDL No. 2543:

In Re: General Motors LLC Ignition Switch Litigation

MDL No. 2004:

In Re: Mentor Corp. ObTape Transobturator Sling Products Liability Litigation

MDL No. 2187:

In Re: C. R. Bard, Inc. Pelvic Repair System Products Liability Litigation

MDL No. 2325:

In Re: American Medical Systems, Inc., Pelvic Repair System Products Liability Litigation

MDL No. 2327:

In Re: Ethicon, Inc., Pelvic Repair System Products Liability Litigation

MDL No. 2387:

In Re: Coloplast Corp. Pelvic Support Systems Products Liability Litigation

MDL No. 251:

In Re: Neomedic Pelvic Repair System Products Liability Litigation

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The Krause & Kinsman Law Firm is one of the nation’s leading mass-tort & personal-injury law firms. The founding partners, Adam & Robert, have been selected to serve on steering committees for some of the largest pharmaceutical mass-tort cases.

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