Working with Accident Victims Who Have Been Injured by Uninsured or Underinsured Drivers
Have you been in an auto accident with someone who does not have insurance? Or, the other person has insurance, but their policy does not provide enough insurance to cover your losses? While the situation may seem hopeless, we have some good news: there may still be ways to obtain recovery for your losses. Typically, two things happen with you are involved in an accidents involving an uninsured/underinsured motorist, which are discussed below. To learn more about your options, call Kilo Flynn to speak with one of our attorneys today.
You Learn About Your Insurance Coverage
Most people do not read the hundreds of pages that can make up an auto insurance contract and, as a result, do not fully understand what their policy covers. People who choose to save money on their premiums often only pay for basic minimum coverage (in most states this is about $25,000), an amount that can easily be reached in even a relatively minor accident. Whatever the case may be, individuals faced with a situation where they have been in an accident with an uninsured/underinsured individual will need to become very familiar with their own insurance coverage.
Your Insurance Company Becomes Your Adversary
Insurance companies take on the role of the other side; this occurs when your policy has a provision that covers an uninsured/underinsured situation. In the case of an uninsured driver, the only source for payment of your damages may be recovery from your own insurance company. Similarly, in the case of an insured driver that has low limits of liability coverage, your insurance company may also have to pay you so that you are fully compensated for your damages. In either situation, your insurance company will do whatever it can to avoid having to pay you what you are entitled to recover. Insurance companies will try to make you think that they are operating in your best interest, but the reality remains that the insurance company is a business that wants to maximize profits by paying you as little as possible for your claims.
If you are unsure whether your insurance policy contains a provision that addresses an uninsured/underinsured situation, read it carefully.
Always Talk to An Attorney
After involvement in an accident, especially one in which there are injuries, it always advisable to speak with an attorney. If you are involved in with an uninsured or underinsured motorist, it is imperative that you speak to an attorney before contact your insurance company. An attorney will review the facts of your case and determine how you should proceed. In addition, your lawyer will communicate with your insurance company on your behalf, ensuring that you do not say or do anything that will jeopardize your right to recover compensation. In the event that your insurance company refuses to honor the terms of your policy, your lawyer may file a lawsuit on your behalf.
As you may have guessed, both the driver and the trucking company (if there is one) can be liable for the damages resulting from a truck accident. The trucking company, as an employer, will generally be liable for any negligent acts of its employee who was driving. However, determining fault is not an easy task. It requires a great deal of time to conduct a thorough investigation and a lawyer experienced in trucking law should be retained to ensure that you recover fully for your losses.
Call Kilo Flynn Today to Speak with a St. Louis Uninsured or Underinsured Motorist Lawyer
The attorneys of Kilo Flynn have handled a number of cases involving uninsured and underinsured motorists. Our attorneys know the complexities involved with uninsured/underinsured litigation and work diligently to guide our clients through these murky waters. We have represented clients in counties throughout Missouri and Illinois, including the City of St. Louis, and the surrounding Missouri counties of St. Louis, St. Charles, Lincoln, Jefferson, Franklin and Crawford; and the Illinois counties of Madison, St. Clair and Monroe, to name a few. We are available to meet at times or locations suitable to our clients, including, when necessary, nights or weekends. Call us today for a free consultation: 314-647-8910.