Car Insurance Attorney in St. Louis, Missouri
In Missouri, all motor vehicle owners are required to have some form of auto liability insurance coverage. The car insurance will offer some protection – or financial compensation – to yourself, your vehicle, and other accident victims when involved in a traffic crash. If you want to know more about the car insurance requirements in your area, you should speak with an experienced insurance attorney for the guidance you need.
At The Summary Law Firm, attorney Justin Summary is dedicated to offering experienced legal counsel and reliable advocacy to clients in auto insurance-related matters. As your legal counsel, he can educate you on the different types of car insurance and help you navigate crucial decisions if you’ve been involved in an accident.
To learn about your car insurance and claim options, contact me today. I proudly serve clients across St Louis, Missouri, and surrounding areas such as St. Charles County and St. Louis County as well as Madison County and St. Clair County, Illinois.
Understanding Car Insurance
Car insurance or auto insurance can be described as a contract between a policyholder and an insurance provider which protect the policyholder against financial loss due to a car accident or theft. Thus, when involved in an accident, car insurance will protect you financially if you’re responsible for another person’s injuries or vehicle damages and cover damages to your motor vehicle.
There are four types of car insurance that are available in Missouri:
- Liability Coverage – pays for medical expenses, property damages, lost income, pain and suffering, and wrongful death damages suffered by accident victims.
- Collision Coverage – pays for the cost of repairing or replacing your motor vehicle when involved in a car crash with a stationary object or another vehicle. This type of coverage is often required if you lease or vehicle or if you’re still financing the car.
- Uninsured/Underinsured Motorist Coverage – pays for bodily injuries and damages suffered in an accident where the at-fault party has no insurance (uninsured) or carries a policy that is less than the necessary coverage amount (underinsured).
- Comprehensive Insurance – covers the cost of repairing or replacing your car for physical damages caused by incidents that aren’t related to traffic collisions. Examples of such non-collision-related incidents include theft, glass breakage, vandalism, hail damage, fire, or harsh weather.
Minimum Car Insurance Requirements in Missouri
In the state of Missouri, all motorists are required to have liability insurance with the following coverage limits:
- $25,000 for bodily injuries to one person per accident
- $50,000 for total bodily injuries to two or more people per accident
- $25,000 for property damage per accident
- Uninsured motorist coverage at $25,000 for bodily injury per person or $50,000 for total bodily injury per accident
The basic liability coverage will pay for the medical expenses, property/vehicle damages, and other accident-related losses suffered by the accident victims, up to coverage limits. A trusted attorney can enlighten you about the ideal car insurance coverage to purchase in Missouri and the consequences of driving without it.
Consequences of Driving Without Car Insurance
Here are some possible consequences of driving without car insurance in Missouri:
- A costly traffic ticket
- Driver’s license suspension or revocation
- A lack of financial protection when involved in a traffic collision.
- Increased insurance premiums.
- Possible jail time or imprisonment
- Your vehicle may be impounded.
Unfortunately, driving without an auto insurance policy can result in costly fines, jail time, and other possible consequences. An experienced attorney can help you find the best auto insurance coverage for your unique needs or guide you through the process of filing a report when involved in an accident.
How to File a Car Accident Report
According to Missouri law, a motorist involved in an accident must report the incident to the Driver License Bureau if:
- The accident caused an injury or death of a person
- The accident caused property damage of more than $500
- The accident involved an uninsured motorist
- The accident occurred within the past 12 months (one year)
Furthermore, to file a car accident report, you should take the following steps:
- Obtain the motor vehicle accident report form online, from your insurance carrier, or the Driver License Bureau.
- Complete and submit the form online, using mail, or at your local DMV office.
Ensure that you file your accident report within 30 days of the crash. An experienced attorney can enlighten you about the specific requirements and help file your car accident report.
How Legal Counsel Can Help
Having the necessary auto liability insurance coverage is required to protect you when involved in an accident. Also, it is important to understand the various types of insurance coverage, as well as the time limits, procedures, and regulations for filing an accident report or claim. Therefore, consulting with a seasoned car accident attorney is crucial for the guidance you need to make intelligent decisions.
Attorney Summary has the diligence and expertise to advise and guide clients in auto liability insurance coverage matters. He can evaluate your unique situation and determine the right insurance policy for you. He can also help file your accident report or claims and recover the financial compensation you deserve.
Car Insurance Attorney in St. Louis, Missouri
If you need assistance purchasing an auto insurance policy or filing a car accident report, contact The Summary Law Firm today to schedule an initial consultation. You can use this email form, or call 314-673-1475.