Where Can Compensation Come From?
Missouri auto liability policies generally must include uninsured motorist protection for bodily injuries caused by an uninsured driver. Whether that protection applies to a particular crash depends on the policy language, the facts, and whether the injured person qualifies as an insured under the policy.
A hit-and-run accident can create similar coverage questions when the other motorist cannot be identified. Report the collision promptly, request a police report, and keep any photographs or witness information that could show how the crash occurred.
Why Your Own Insurance Claim Can Still Be Difficult
Filing with your own carrier does not guarantee a simple process. The insurer can still investigate fault, question whether treatment relates to the collision, and dispute the extent of your losses. Policy limits, exclusions, and notice requirements can also affect the claim.
The amount available through insurance is only one part of evaluating a car accident claim. Medical expenses, missed income, property damage, and the effect of the injuries on daily life also deserve consideration.
What Should You Save After the Crash?
Useful records include:
- The police report
- Photos of the vehicles and roadway
- Witness names and contact information
- Medical bills and treatment records
- Wage or employment documents
- Insurance letters, emails, and policy documents
Treatment progress and medical documentation can influence how long a car accident claim takes. Before accepting an early settlement, make sure you understand what the release covers and whether additional care is expected.
Have Brown & Brown Review the Available Coverage
An uninsured driver can make the claim more complicated, but it does not automatically leave you without options. Call Brown & Brown Attorneys at Law at 314-333-3333 or contact us for a free case review in St. Louis, MO. We can look at the policies involved and the documentation tied to your losses.
