PROTECTING YOUR INTERESTS IN A ST. LOUIS UNINSURED/UNDERINSURED MOTORIST CLAIM

Uninsured Motorist Lawyer in St. Louis, MO

Uninsured motorist lawyer in St. Louis, MO. If you’re in an accident with a negligent driver who lacks adequate insurance coverage — or none at all — you shouldn’t have to shoulder that financial burden alone. Attorney Amanda Hayden at The Hayden Law Firm wants to help.

Using a system of trust, approachability, and mutual understanding, we listen to every detail of your case and determine the best option for recovering the compensation you deserve. Our client-centered approach comes through during claims with insurance companies that try to lowball your settlement or pay nothing at all.

If you been in a car accident with an uninsured or underinsured motorist, contact us or call a St. Louis personal injury lawyer at The Hayden Law Firm at (314) 480-3100 for a free, no-risk consultation. All of the cases that we take on are subject to a contingency fee, meaning you do not pay legal fees or other fees up-front.

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What Do I Do if the Other Driver Didn’t Have Insurance?

If the other driver who caused your accident didn’t have insurance, your first step is to get in touch with an uninsured motorist lawyer in St. Louis, MO, to determine different avenues toward covering your damages.

There are typically two ways to go about this in an uninsured motorist crash:

  • Suing the uninsured or underinsured motorist – whether or not this is a fruitful option will depend upon the at-fault driver’s income and assets.
  • Filing a first-party claim against your own uninsured/underinsured motorist coverage – You can make a claim against your own insurance company to recover damages. This works the same as if you were pursuing the other driver’s insurance company in order to receive the medical care, financial recovery, and other costs you are owed for a car accident that was not your fault.

Uninsured Motorist Laws in Missouri

There are an alarming number of uninsured drivers on Missouri’s roads. According to data gathered since 2007, around 14% of drivers in Missouri are driving without insurance. As a safety net against these irresponsible drivers, the state government has enacted uninsured motorist laws.

Missouri law dictates that anyone who operates a motor vehicle should have an insurance policy that contains at least $25,000 of uninsured motorist coverage. That way, if you are injured by a reckless driver who does not have auto insurance, your uninsured motorist coverage should pay for all or a portion of your injuries, lost wages, and other damages sustained in the accident.

Filing an Uninsured Motorist Lawsuit or Claim

You may be able to file an uninsured motorist lawsuit against the negligent driver to recover damages for your injuries, but this can be very difficult to pursue on your own. Contact a St. Louis personal injury lawyer at The Hayden Law Firm to explore this option!

On the other hand, the best route in many cases may be to make a claim against your own insurance company to recover damages. You should be covered up to $25,000 in Missouri for uninsured motorist claims — but we know that the insurance company may not always play fair though.

As a responsible driver yourself who makes diligent payments to your insurance company, you would think that they will be there for you during this trying time; however, this is not always the case. At The Hayden Law Firm, we see far too many instances in which the insurance company refuses to pay innocent, hardworking people that suffered an accident that was out of their control. We want to help them with this process.

If your insurance company refuses to pay what you are owed, or is arguing that they only have to pay a percentage of your costs, then you should speak with an uninsured motorist lawyer in St. Louis, MO, to immediately protect your claim.

What is an Underinsured Motorist and How Are the Claims Different?

An uninsured motorist is someone who lacks any type of auto insurance perhaps because they let their policy lapse or because they never purchased liability coverage to begin with.

An underinsured driver is someone who has some amount of auto insurance but not enough to cover your injury costs. Missouri law mandates that all drivers carry no less than $25,000 of liability insurance per person, and $50,000 per accident. The 25/50 liability mandate is the minimum requirement that one must have to be “legal” in Missouri.

By way of an example, if you were involved in a devastating accident with a reckless driver who had the minimum 25/50 insurance limit, you are only entitled to $25,000 from their insurance company; however, your significant injury required an emergency room visit that used up most of this amount and you still have ongoing treatments. You now bear the burden to pay anything past $25,000, including medical bills, lost wages, future medical care, and numerous other injury damages. In cases like these, however, your underinsured motorist coverage may be available to help.

But this is where it differs from uninsured motorist claims and can often get quite complicated. Uninsured motorist coverage is mandated by the State of Missouri and therefore governed by public policy. Underinsured motorist coverage, on the other hand, is governed by the terms of the contract and insurance you purchased. One mistake in following the terms of the contract and you may forfeit your right to pursue an underinsured motorist claim. This is why you need an underinsured motorist accident lawyer in St. Louis, MO, on your side who will safeguard your rights and always have your best interests at heart.


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Why You Need the Help of a Uninsured/Underinsured Motorist Lawyer in St. Louis, MO.

Whether you are pursuing a lawsuit against the negligent party or you’re filing a first-party claim against your own insurance for uninsured/underinsured motorist coverage, you need an attorney like Amanda Hayden on your side. With over 15 years of experience at the negotiation table, she is able to combine her business prowess with her personal injury expertise to succeed in the most complicated legal battles against insurance companies.

In some cases, insurance companies may use predetermined formulas to calculate your damages, which does not properly reflect all of your emotional distress and physical pain. Furthermore, in far too many cases, insurance policies have a maze of disclaimers and reasons why they say coverage is not provided at all. This is unacceptable.

If your insurance company refuses to reimburse you for the full amount required to cover all your damages, hope is not lost. It is crucial that you have a personal injury lawyer in St. Louis, MO, who is able to navigate complex legal documents in order to seek what you are owed.

Do not fall into the false sense of security that your insurance company is looking out for your best interests. They are a multi-billion dollar industry for a reason. The Hayden Law Firm is looking out for YOU!

Get in Touch With a Personal Injury Lawyer in St. Louis Who Cares

People across St. Louis have come to rely on Attorney Amanda Hayden’s compassion and expertise as an all-around advocate when it counts most. She is known as someone not only willing to protect her clients’ rights, but someone who is capable of handling tough negotiations with large insurance companies.

If you have suffered an injury because of an uninsured/underinsured motorist, contact us or call an uninsured motorist lawyer in St. Louis, MO, at The Hayden Law Firm at (314) 480-3100 for a free, no-risk consultation.


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    • Ms. Hayden helped my wife and I though a difficult time. She listened to us and knew every detail of our case. She was encouraging and helpful throughout the process and was tough on the other side. Ms. Hayden was able to get us a settlement far beyond what…

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