What to Do if the Other Driver Does Not Have Auto Insurance
When you are injured in an accident, one of the first things you need to determine is how much insurance coverage the at-fault driver possesses. Missouri law only mandates that individual drivers possess $25,000 per person and $50,000 per occurrence in liability insurance. Despite this mandate, some drivers allow their policies to lapse and may not have any coverage at the time of an accident.
When the at-fault party does not have insurance, he or she is referred to as an uninsured driver. When your damages exceed the applicable insurance coverage of the at-fault party, he or she is referred to as an underinsured driver.
If you have been in an accident where the at-fault driver is uninsured or underinsured, you still have legal options. You may be able to seek damages from your own insurance company or seek to collect from the personal assets of the driver in question. Determining the correct course of action is not something you should try to do on your own.
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