HOW AN ACCIDENT WITHOUT INSURANCE IN MISSOURI AFFECTS A PERSON WHO DOES NOT HAVE INSURANCE

The state of Missouri, like most states, requires that all vehicle drivers and owners should have some kind of car insurance. This insurance plays a big part in any report or claim filed after a traffic accident.

The state runs a fault-system as regards to financial responsibility for losses resulting from a car accident. This means that the at-fault driver is responsible for any resulting harm or damage. Vehicle drivers and owners are expected to have two types of car insurance coverage: liability coverage and uninsured motorist coverage. The basic or minimum level of coverage according to state law is:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $10,000 per accident for property.

The law also requires you to have uninsured motorist policy that meets the minimum coverage of “25/50”.

The effects of accident between uninsured motorists

Being involved in a car accident with an uninsured driver can be less daunting when you have uninsured motorist coverage. When the accident is between two uninsured drivers or vehicles, it becomes tricky since it means that there would not be any insurance carrier for the victim to file a report of claim to. The personal injuries and auto damages would either be covered by both parties directly from their pockets or subject to a legal process.

In a case where the victim has an insurance policy, the insurance carrier would likely cover the expenses of personal treatment and any environmental damage. When the UM coverage absorbs this bill it will likely, over time, affect the premium of insured people during renewals or fresh insuring processes.

Accidents between uninsured parties could also have another form of adverse effect as both drivers could be issued a traffic ticket, assessment of the drivers’ records, supervision order, suspension of driver’s license and subsequent payment of reinstatement fee according to Auto Insurance Guide, Missouri Driver Responsibilities and Penalties.

How to handle the financial effect

Since the victim will not file a claim because the at-fault driver does not have liability insurance and he(victim) does not have uninsured motorist coverage, the only other option(s) would be to either forfeit the claim and cover the bills personally or go to court.

The victim needs to, at this point, seek for the services of a personal injury attorney who would help him file a lawsuit in the court against the at-fault driver. The court will deliberate and compel the defendant to personally cover the cost of treatment, body repair and property damage if there is any.

One tricky aspect of this process is that it does not guarantee success as the defendant may hide his income or financial worth in a quest to pay far less. He may even file for bankruptcy to avoid paying entirely and you find yourself having wasted time, effort and even legal fees for nothing. Irrespective of this tricky part of the process, a lawsuit is the only legal process to solve the financial effect of accident between uninsured drivers or vehicles.

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