In the State of Missouri, ALL automobile owners are required to carry
proof of liability insurance coverage. This, however, isn't always the
case.
The Uninsured Motorist Who Flees:
The
reality is many people don't adhere to this law. They get behind the
wheel and occupy the same roads as those who have purchased the legal
minimum. The inevitable is bound to happen...they cause an accident.
You're the victim. They flee the scene, usually because they have no
insurance, do not have a license, or are driving under the influence.
What recourse do you have against a driver when you can’t find out if he
is insured or even identify him? What if your insurance company refuses
to accept this type of uninsured motorist claim or compensate you for
all damages, including your pain and suffering?
This is
a quandary many face in the event of a hit-and-run. They see it as an
instance of random bad luck and there is no way to recover for their
injuries in this kind of crash.
This is NOT true.
That's when a closer look at your very own insurance policy will shed
some light. That is when a call to the Glassman Law Firm, can relieve
your worry and stress.
A Few Hard Facts...
FACT:
When you bring an uninsured claim against your own insurance company,
it CAN'T legally cancel your policy or raise your premium.
FACT:
A hit-and-run accident is NOT categorized as a “chargeable loss" to
your policy. Simply put, it's not your fault. You cannot be punished by
rate increases or cancellation.
FACT: A hit-and-run can be a (non-contact) accident.
For
example, a negligent motorist causes you to swerve because they were
checking their email while driving. He was heading straight at you in
the wrong lane, causing you to run off the road into an embankment. The
emailing driver flees. You've experienced a non-contact hit-and-run.
This is also considered an uninsured motorist claim and you are entitled
to recover all losses caused by your injuries, lost pay, medical costs,
and pain and suffering from your own insurance company.
What Should You Do?
If
you or someone you know has been hit by an uninsured motorist, it is
critical that you seek the expertise of The Glassman Law Firm, P.C. Our
understanding of the complex and often ambiguously written insurance
policies is of infinite value to anyone who has been involved in an
accident caused by an irresponsible, uninsured motorist. We will help
you recover every benefit and cost that your company is obligated to pay
you for uninsured motorist damages.
We will fight
vigorously to seek full monetary compensation for all of your pain and
suffering, loss of work, medical bills and permanent injuries. Again, if
it wasn't your fault, why should you have to suffer these personal and
financial losses?