Do insurance companies go after uninsured drivers

uninsured drivers.PHOTO COURTESY/Instagram

If you’re in a crash with an uninsured driver, your insurance may pursue a claim.

The simplest way to cover costs is often through your uninsured motorist or personal injury protection insurance.

In 2019, 12.6% of drivers lacked liability insurance, as per the Insurance Research Council.

What you do next is crucial for your claim’s success after colliding with an uninsured driver.

Do Insurance Companies Go After Uninsured Drivers?


They can recoup the money they gave you to pay for your claims through subrogation.

If you have UM coverage and file a claim, your insurer will pay your damages before pursuing payment from the at-fault party.

When Might Insurance Providers Pursue Uninsured Motorists?

Insurance companies can legally pursue subrogation.

This doesn’t guarantee the pursuit of uninsured motorists.

Uninsured drivers often lack the financial resources for potential judgments.

Do I Need Uninsured Motorist Coverage?

Uninsured motorist coverage protects you from covering damages in a collision with an uninsured motorist.

UM coverage pays your expenses, minus your deductible, if an uninsured motorist causes an accident.

Underinsured motorist coverage kicks in when the at-fault party’s insurance is inadequate.

Your policy specifies the maximum amount you can claim for UM and UIM.

You typically have a limited time, often as little as 30 days, to make UM or UIM claims.

The claim deadline varies based on your policy.

Lawsuits Against Uninsured Drivers

What do I do when an uninsured driver strikes me in Missouri?

Can I bring a lawsuit against them? Yes, to answer briefly.

Any losses you have incurred due to your incident may be recovered from an uninsured driver through a lawsuit.

You can still bring a personal injury claim against an uninsured motorist if you don’t have UM or UIM and are hurt in an accident that was your fault.

However, filing a case of this nature might not be in your best interests.

If the at-fault motorist doesn’t have automobile insurance, they most likely won’t be able to cover your losses and medical expenses.

If the defendant is found guilty, they will likely pay you back via a payment schedule.

After that, you will have to pay your attorney’s legal fees, or they will collect a percentage of the settlement from the defendant.

However, your best course of action may be to employ a Missouri car accident lawyer to file a lawsuit against the underinsured driver, depending on the specifics of your accident and case.

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