What Happens When an Uninsured Driver Causes a Car Accident with Injuries in Missouri?

At The Gogel Law Firm, our car accident attorneys in St. Louis know that, by law, all drivers in our state must carry a minimum amount of insurance coverage to legally operate their vehicles.

We also know, according to the Insurance Information Institute, over 16% of drivers in Missouri are operating their vehicles without insurance, ranking the Show-Me State 12th overall in the U.S. for uninsured motorists.

When another driver or their passengers are injured in a collision with an uninsured motorist or a hit and run driver that leaves the scene of the crash, they are suddenly on the hook for the resulting medical costs, lost wages, and miscellaneous expenses that result.

If this has happened to you, our experienced Missouri personal injury attorney, Jeremy A. Gogel, may be able to help you pursue your full financial recovery from another source.

Here is how.

What is the Minimum Amount of Vehicle Insurance Coverage Required in Missouri?

According to the Missouri Department of Revenue, auto insurance requirements in Missouri include a policy with the minimum coverage of:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property

Because of our state’s high uninsured driver rate, all Missouri drivers must also carry the following minimums as an uninsured motorist requirement:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

Like all insurance options, policyholders may increase any portion of their coverage to ensure – should they be the one who causes a collision or the victim of an uninsured driver’s negligence – that they have additional protection, so they are not held personally responsible for damages not covered by the policy.

There are two options available to accident injury victims after they have been hurt in a collision with an uninsured driver.

First, they can legally pursue the driver pers

Who Pays My Medical Bills and Other Expenses if the Other Driver Does Not Have Insurance?

only to obtain a judgment against them that requires them to pay a certain amount of money each month until the expenses are paid in full. The trouble here is if a driver cannot afford to insure their vehicle or simply eschews the responsibility of insuring their vehicle they typically do not have the assets or income to cover a vehicle collision or care enough to follow a court order to ensure it is paid.

The second option is to pursue your personal, uninsured driver insurance coverage for your financial recovery needs.

Keep in mind, your insurance company is no different than a negligent party’s provider. That means they are not going to be excited to cover the expenses on behalf of an uninsured driver.

Contacting a personal injury lawyer will help smooth the process to provide the insurance company with a strong, evidence-supported case to succeed.

Why Would I Need a Car Accident Attorney to Help Build My Case?

Whether you are considering filing a lawsuit directly against an uninsured driver or pursuing your personal insurance coverage for your financial recovery required, our personal injury lawyer in St. Louis will fully outline your case to ensure all your expenses and overall needs are included in the claim.

We will leave no detail to chance, which means you will know exactly what your recovery looks like before we make our demands to the insurance company, so you are not left paying for injuries caused by someone else’s negligence out of your own pocket.

Contact Our Experienced Personal Injury Attorneys in St. Louis At The Gogel Law Firm

If you have been hurt in a car accident with an uninsured driver in Missouri, contact our experienced personal injury attorneys in St. Louis today to schedule a free consultation by calling (314) 370-8173 or contact us online to have one of our skilled lawyers call you.

Need legal help? Give us a call.


745 Old Ballas Road
St. Louis, MO 63141

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