Getting into a car accident can be stressful, but the situation becomes even more complicated when the other driver has no insurance.
In Missouri, drivers must carry liability insurance, but some choose to ignore the law. If an uninsured driver causes a crash, it is important to take specific steps to protect your health and your financial recovery.
Call the police and get a report
Missouri law requires reporting any vehicle accident that causes injury, death or property damage over $500. It is especially important to always contact law enforcement after an accident with an uninsured driver. A police report provides an official record of the crash and may include important details about who was at fault.
Gather evidence at the scene
Take photos of the vehicles, road conditions and any visible injuries. Collect contact information from the other driver and any witnesses. Be sure to note the other driver’s lack of insurance. This evidence can support your claim when seeking compensation through your own insurance policy.
Notify your insurance company
Missouri requires all insurance policies to include uninsured motorist coverage. This coverage can help pay for medical bills and other losses if the other driver does not have insurance. Notify your insurance company about the accident as soon as possible. Provide accurate information and include the police report if available.
Seek medical attention and track your expenses
Visit a doctor after the accident, even if you do not feel seriously injured. Some injuries may take time to show symptoms. Keep records of all medical visits, treatments and expenses. This information can support your claim under your uninsured motorist coverage.
Understand your insurance options
Uninsured motorist coverage usually pays for bodily injuries, but it may not always cover vehicle damage. If your policy includes collision coverage, it may pay for repairs. Review your policy to understand the full extent of your coverage. You may also consider filing a civil claim against the at-fault driver, though collecting compensation can be difficult if the driver lacks assets.
Accidents involving uninsured drivers can lead to complex insurance situations. By acting quickly and understanding your insurance options, you can take control of the situation and move forward with confidence.