In Missouri, uninsured motorist protection is obligatory, which implies that your auto insurance coverage coverage should embody protection for uninsured motorists. If you’re concerned in an accident with an uninsured driver, you might be able to file an uninsured motorist declare with your individual insurance coverage firm to cowl the damages or take the at-fault driver to court docket.
Steps for Submitting an Uninsured Motorist Declare in Missouri:
- Notify your insurance coverage firm: Contact your insurance coverage firm as quickly as potential to tell them in regards to the accident and the truth that the opposite driver was uninsured.
- Acquire proof: Collect as a lot proof as potential from the scene of the accident, together with pictures of the injury to your automobile and any accidents sustained, witness statements, and the police report.
- Search medical consideration: In case you or any passengers in your automobile had been injured within the accident, search medical consideration instantly.
- Contact a private damage lawyer: Insurance coverage firms are low-cost and we sue them recurrently once they refuse to pay a good quantity, which is almost at all times.
- Serve a summons: After we file your lawsuit your uninsured motorist insurer will must be served a summons.
- Negotiate a settlement: Your lawyer will keep in touch with the insurance coverage firm to barter a settlement for the damages you incurred because of the accident.
Who Do You Serve
So how have you learnt who to serve? Insurance coverage is a extremely regulated trade in Missouri, so to ensure that insurance firms to do enterprise they have to be registered with The Missouri Secretary of State. The Division of Insurance coverage is overseen by the Secretary of State, and the federal government acts as a gatekeeper for the sale of insurance coverage. Which means that insurance coverage firms should enable the director of insurance coverage to simply accept service on their behalf.
That is to guard Missouri residents from out-of-state insurance coverage firms.
Submitting an uninsured motorist declare is usually a complicated course of, so you will need to work with an skilled lawyer who can assist you navigate the method and make sure that your rights are protected.
We hope that the above publish and the beneath video will reply any questions on find out how to file an uninsured motorist declare.