Ask A Lawyer

Tell Us Your Case Information for Fastest Lawyer Match!

Please include all relevant details from your case including where, when, and who it involoves.
Case details that can effectively describe the legal situation while also staying concise generally receive the best responses from lawyers.


By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Email, Phone, Text Messages, Terms of Use, and Privacy Policy. Information provided may not be privileged or confidential.

St. Louis Underinsured Motorist Accidents - Car Accident Lawyer

by Christopher Hoffmann on Jul. 13, 2017

Accident & Injury Accident & Injury  Car Accident Accident & Injury  Personal Injury 

Summary: If you happen to be in an accident with an uninsured driver, make sure you speak to your St. Louis auto accident lawyer.

Underinsured motorist insurance basically helps to protect you and your family if you have a crash and the at-fault driver is uninsured or underinsured. Many people opt for the most basic level of car insurance cover. Having a minimum level of auto insurance is a legal requirement, but it can be expensive, so many people take their chances and buy the cheapest form of insurance they can find, just hoping they will never be involved in an accident. However, accidents do happen and many people find themselves in a collision with a driver who is not sufficiently insured to cover their costs. When an injured party suffers serious injury and cannot work then claim levels can soon rise above any minimum insurance policy levels.


It is important to carry an underinsured driver policy, which can cover the extra damages that are not covered by the at fault driver. This cover is generally a part of your auto insurance policy so you won't generally need to go through the whole purchasing process twice.


You've got an underinsured motorist insurance policy but who make a claim?


You'll need to read the terms and conditions of your own policy but it is likely that the following could possibly apply...


  • The person named on the policy may make a claim (that's probably you)

  • Your spouse can usually claim as long as they live within your household.

  • Your relatives can often claim as long as they live within your household.

  • Anyone who occupies an insured vehicle.

  • Anyone who is hurt who is either the policy holder, their relative or a resident in their home.


Could your claim be denied?


Many people worry that their insurance company will deny the claim on an underinsured motorist policy. While this can happen, you shouldn't worry too much. It all depends on the circumstances. The important thing is to speak to your St Louis car crash attorney. If they believe that the insurance company is in breach of its contract with you then they will protect your rights, and help recover the damages from the insurance company.



If you happen to be in an accident with an uninsured driver, make sure you speak to your St. Louis auto accident lawyer, who can handle the claim on your behalf. Call (314) 361-4242 to schedule a free case evaluation.



Legal Articles Additional Disclaimer

Lawyer.com is not a law firm and does not offer legal advice. Content posted on Lawyer.com is the sole responsibility of the person from whom such content originated and is not reviewed or commented on by Lawyer.com. The application of law to any set of facts is a highly specialized skill, practiced by lawyers and often dependent on jurisdiction. Content on the site of a legal nature may or may not be accurate for a particular state or jurisdiction and may largely depend on specific circumstances surrounding individual cases, which may or may not be consistent with your circumstances or may no longer be up-to-date to the extent that laws have changed since posting. Legal articles therefore are for review as general research and for use in helping to gauge a lawyer's expertise on a matter. If you are seeking specific legal advice, Lawyer.com recommends that you contact a lawyer to review your specific issues. See Lawyer.com's full Terms of Use for more information.