In addition to being both physically and psychologically traumatic, a
car accident that results in personal injury can also be financially devastating. Every
year, families here in Columbia and throughout the U.S. have to deal with
these costs. According to the
Centers for Disease Control, in a one-year time period, costs associated with medical care and productivity
losses due to auto accident injuries were more than $80 billion.
If you're injured in a car accident, do you know who will cover the
costs of your medical care? If you're recovering from injuries sustained
in a serious car accident, the last thing you need resulting is a creditor
calling your home, trying to collect payment for medical treatment that
you required by no fault of your own.
drivers are required to carry insurance that covers them to a minimum amount of 25/50: that is, $25,000 per person
for bodily injury, and $50,000 for bodily injury per accident (to be shared
among all the parties injured in the car wreck). Unfortunately, all too
many car accidents result in catastrophic injury and the need for extensive,
long-term medical treatment - and this amount isn't nearly enough
to cover those costs. Motor vehicle accident victims that suffer from
traumatic brain injuries, spinal cord injuries, and other serious personal
injuries can require years of expensive treatment and rehabilitation,
long after the policy belonging to the at-fault driver is exhausted.
If you have car insurance in Missouri, you are automatically covered by
your own policy in the unfortunate event you are involved in a crash caused
by an uninsured driver. Additionally, Missouri drivers have the option
to purchase underinsured motorist coverage, which can provide some financial
relief if you are in an accident resulting in expenses beyond what the
policy of the at-fault driver can cover.
Consider this hypothetical situation: you are involved in an accident that
results in $35,000 in medical bills and other expenses, but the driver
at fault only has the minimal auto coverage policy required by Missouri
law. The driver's insurance policy would cover only the first $25,000
of your medical expenses. However, if you had an underinsured coverage
option of $100,000, there would be an additional $75,000 available under
your policy to cover the remaining amount of your medical expenses, after
the policy belonging to the driver at fault is exhausted. In most cases,
this coverage can be added to existing policies for a minimal cost, and
it can provide additional peace of mind. It can be used to cover expenses
like medical bills and treatment, lost wages, and other damages resulting
from a car crash with an uninsured or underinsured driver.
Navigating the legal issues and problems involved in these kinds of cases
can be overwhelming, confusing and time-consuming - especially during
a time when you should be focused on your family and recovering from your
injuries. If you or a family member has been involved in a car accident
with an uninsured or underinsured driver, you should consult an attorney
as soon as possible to ensure you understand the full scope of your rights
At Aaron Sachs and Associates, our
personal injury lawyers serve car accident victims in Columbia, Missouri and the surrounding
areas, including Jefferson City, Kirksville, Fulton, Boonville, Moberly,
Centralia and Ashland. If you or a loved one has suffered injury in a
crash caused by another driver's negligence, please contact our office
today to find out if we can help. Our attorneys work on a contingent-fee
basis, and we provide a
free initial consultation to review the details of your case and answer your questions. For more
information, call 1-888-777-AUTO, or click here to visit our website.
For your convenience, we are available 24/7/365 - and if you're unable
to come to our office, you can pick the place and we'll come to you.
Attorney meetings by appointment only