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Uninsured motorist insurance coverage can help protect the person that has been injured due to the negligent driving of someone who does not have car insurance.

Here are a few examples of when this uninsured coverage (often called UM by your insurance agent) may apply:

Scenario 1: You are a driver or passenger in a vehicle that was hit by another vehicle where the driver does not have car insurance. Your injuries may be covered by your own car insurance, whether or not you were the driver of the vehicle that was hit or not.*

Scenario 2: You are riding your motorcycle or bicycle and are struck by a vehicle where the driver does not have car insurance. Your own car insurance may cover your bodily injuries for this type of collision.*

Scenario 3: You are walking down the sidewalk and a driver, who does not have insurance, hits you. Your own car insurance may cover your bodily injuries for this type of situation.*

*Please note every case is different and most insurance policies are different as well. Therefore you should consult an attorney immediately regarding a potential claim.

Underinsured motorist insurance coverage can help protect the person that has been injured due to the negligent driving of someone who does not have enough car insurance coverage. This is completely separate and does not apply when uninsured coverage applies.

Here are a few examples of when this underinsured coverage (often called UIM by your insurance agent) may apply:

Scenario 1: You are a driver or passenger in a vehicle that was hit by another vehicle. You incurred $70,000 in medical expenses from this crash. The negligent driver did not have enough car insurance to cover your medical expenses. Remember, Missouri’s state minimum coverage is currently only $25,000 for this situation, and most drivers on the road today only carry minimum coverage. That can leave you responsible for the remainder of the medical bills. This coverage will usually only apply after the negligent driver’s car insurance policy has already been paid.*

Scenario 2: You are riding your motorcycle or bicycle and are struck by a vehicle that has insurance, but not enough to cover your damages. Your own car or motorcycle insurance may cover your bodily injuries for this type of collision.*

Scenario 3: You are walking down the sidewalk and are struck by a vehicle. The driver does not have enough car insurance coverage to pay for your injuries. Your own car insurance may cover your bodily injuries for this type of situation.*

*Please note every case is different and most insurance policies are different as well. Therefore you should consult an attorney immediately regarding a potential claim.

There are also some limited situations in which an uninsured motorist claim and an underinsured claim can prevail if there are two negligent drivers involved. Consult an attorney to discuss this possibility.

When you come to your consultation it’s important to bring everything you have that’s related to the incident. We’ve listed key documents to bring to help move your case along, so a final resolution can be reached sooner.

If you do not have everything we listed, that’s okay. It’s more important that you come in for your free consultation as soon as you can. We will compile all of the documents at a later time.

IMPORTANT: Do not make any posts about the crash to any social sites or discuss it with anyone besides your medical providers.

Motor Vehicle Collision

1. A copy of the police report.
2. Insurance information on the other driver.
3. Insurance information for driver of the vehicle you were in.
4. Any additional car insurance you have, or someone else has on you or your car.
5. All medical bills and records related to the crash.
6. All pictures/videos of injuries and vehicles involved.
7. Your health insurance card and booklet.
8. A recent paycheck stub if claiming lost wages.
9. Names of all hospitals or clinics where you have been treated with for the crash.
10. Names and contact information of any witnesses.

Slip and Fall Injury

1. A copy of the incident or accident report.
2. Insurance information from the store (if they gave this to you).
3. Names and address of the location where you fell.
4. All medical bills and records related to this injury.
5. All pictures/videos of the location and people involved.
6. All pictures/videos of what you slipped /tripped on or over.
7. Your health insurance card or booklet.
8. A recent paycheck stub if claiming lost wages.
9. Names of all hospitals or clinics where you have been treated for your injuries.
10. Name and contact information of any witnesses or store employees/managers you dealt with.

On the Job Injury

1. A recent paycheck stub if claiming lost wages.
2. Names of all hospitals or clinics where you have been treated for your injuries.
3. Names and contact information of any witnesses.

It is very important to preserve the evidence in your case. Throughout my years as an injury attorney, I have worked with several clients who did not document their injuries before coming into my office. Many times clients will only take pictures of the vehicles involved in the crash. While that is important, you can assist your case, and potentially the value of your case, if you also document you or your loved one’s injuries, along with notes regarding activities that are or were limited because of the incident.

It is also very important to report all of your symptoms to your medical providers. An old adage with medical professionals goes something like this: If it isn’t in the medical records, it didn’t happen. Whether true or not, it is important to report your physical and psychological complaints to your medical providers so that a treatment plan can be evaluated and hopefully implemented in your situation.