Uninsured Drivers
St. Louis, Kansas City, and Jefferson City, Missouri
Even though insurance is required to drive legally in almost every state, some people still drive without insurance coverage. Whether they lack insurance because they feel they cannot afford it or because of simple negligence, they can cause serious problems for others if they become involved in an accident. At The Bradley Law Firm, we can help you collect damages from an uninsured driver who has injured you or your family in an automobile accident.
The Dangers of Driving Uninsured
Uninsured drivers face a number of financial risks every time they get behind the wheel. Without insurance, they could face several devastating consequences, including:
- Fines for driving without insurance
- Inability to collect damages from the at-fault party
- No assistance from insurance to pay for damage to the vehicle
- No assistance to pay for hospitalization or other medical expenses
- No backing from an insurance company in case of extended lawsuits related to the accident
Although it might seem like a financial hardship to pay the monthly bill required to carry insurance on a vehicle, it is an even greater financial hardship to deal with the aftermath of an accident without insurance, whether or not you were at fault. In addition, not having insurance can make you vulnerable to lawsuits. Though avoiding auto insurance premiums might seem like a money saving move in the short term, if you are involved in an accident, lack of insurance can drive you into bankruptcy.
Protecting Yourself From Uninsured Drivers
If an uninsured motorist causes an accident in which you are involved, the financial repercussions can also be unmanageable. If the other party was at fault, it is likely that your insurance will not pay for damages or medical expenses. Under normal conditions, when both parties are insured, the at-fault party’s insurance would cover your expenses. If the other party does not have insurance, you will likely be left holding the bill.
One of the best ways to prevent this situation is to be sure you are covered with uninsured motorist insurance. This is added to your regular insurance policy specifically to protect you if you are struck by an uninsured motorist. Though it is an added expense, it can be a vital protection for you and your finances.
If you have been involved in an accident with an uninsured driver, please contact the St. Louis, Kansas City and Jefferson City, Missouri automobile accident attorneys at The Bradley Law Firm. We will stand behind you and do everything we can to get you the financial compensation you need and deserve.