Underinsured Motorist Accidents
An underinsured motorist accident occurs when the party at fault in a Missouri car accident is not covered by adequate automobile insurance to cover the cost and damages flowing from the bodily injury claims. The question then is whether there is an Underinsured Motorist policy - also know as UIM? In other words, is the injured party covered by an underinsured motorist policy which will pay over and above the amount of coverage on the driver that was at fault for the underinsured motorist accident?

Many times a driver at fault may have the state required coverage, but it is just simply not enough. It is against the law in Missouri to drive a vehicle without the required legal limits of $25,000 per person for bodily injury, $50,000 for bodily injury per accident. A driver that does not have the required coverage is said to be "Uninsured"; however, underinsured motorist coverage comes into play when the other driver has insurance, but it is simply less than the value of the injured parties claim(s). It is in that situation that you want to look for underinsured motorist coverage.

If you or a member of your family is involved in an accident with an underinsured motorist, Aaron Sachs and Associates may be able to help you. Our law firm provides assistance for people injured or killed in Missouri underinsured motorist accidents that are covered by underinsured Motorist coverage (UIM).

Search for Missouri Underinsured Coverage
Being involved in an accident is often traumatic, and being in an underinsured motorist accident can raise more questions on how you are going to find a source to help pay for the hospital bills, medical expenses, the cost of repairing or replacing your vehicle, missed work, lost wages, ongoing care, or the death of a loved one. Who will pay if the person who hit you doesn't have sufficient insurance coverage? These questions are not unusual for underinsured motorist accident victims and/or their families. The starting point of looking for underinsured motorist coverage is on the car you were in at the time of the accident and, if different, the policy of insurance on cars in your household. You are looking for underinsured motorist coverage that was in effect at the time of the underinsured motorist accident.

Missouri Underinsured Motorist Accident Help
Aaron Sachs and Associates has been helping car accident victims in Missouri and southern Kansas since 1991. That's more than a decade of handling accident cases. We've helped car accident victims receive compensation for medical bills, lost wages, disability, pain and suffering and other losses including the death of a family member. We may be able to help you, too.

Missouri Underinsured Motorist Accidents Can Be Complicated Claims
When interviewing attorneys to represent you in an underinsured motorist accident claim, it is important to ask if they are familiar with Missouri underinsured motorist accident cases because underinsured motorist claims can be more complicated than regular accident cases. For example, there often are policy requirements or steps you must take to preserve your underinsured motorist accident claim if you choose to settle with the at fault drivers insurance before settling your underinsured motorist claim.

In the event of an underinsured motorist accident, if you have underinsured motorist coverage, you may be able to make a claim under your own accident insurance policy for the amount that your damages and losses exceed the at-fault party's insurance coverage up to the amount of your claim, but limited to the amount of coverage purchased, and subject to any policy restrictions, such as set offs if applicable in your policy. As you can see, the terms of underinsured motorist is a matter of contract, and sometimes the underinsured motorist policy can be complicated.

Although it might not seem fair for your insurance company to have to pay when someone else was at fault, remember two things: 1) You pay for this coverage to protect you just in case of an underinsured motorist accident and 2) Your insurance company has the right to pursue the at-fault party for reimbursement. Before you settle any claim against the at fault driver, discuss your case with an attorney since you don't want to prejudice your insurance company's right to pursue the at-fault party.

Other factors that may also complicate an underinsured motorist claim include: If the underinsured motorist driver was in a work vehicle at the time of the accident, or on a work errand, you may be able to pursue a claim against the employer or vehicle owner. If the at-fault driver's insurance and your underinsured motorist coverage do not adequately cover expenses and losses, you may want to pursue the underinsured driver for additional compensation if he or she appears to have sufficient assets.

Missouri Underinsured Motorist Accident Lawyers
The lawyers at Aaron Sachs and Associates can help answer your questions about Missouri underinsured motorist accidents, and can discuss with you your rights and the process of pursuing compensation for injuries, pain, suffering, lost wages, medical bills, wrongful death, etc.

The Effects of an Underinsured Motorist Accident
An underinsured motorist accident can turn your life upside down in a split second. What if it happened to you or a family member? Would you know what to do? Who would you call for legal assistance? Who will pay for the medical bills and any necessary prescriptions, therapy, rehab, extended treatments or expensive equipment? Who will pay for the damage to your vehicle or to replace your vehicle? What about missed work? What if there were serious injuries and there may be long term disability? What if someone died? Were there any witnesses to the accident? How could you find them? Since driving without adequate insurance is against the law, will that complicate a claim? How much will your own underinsured motorist insurance cover and what if the expenses are more than that? Where do you begin and how would you handle it all?

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Call Us
If you or someone you know has been injured, disabled or killed in a Missouri underinsured motorist accident, please contact our office This e-mail address is being protected from spambots, you need JavaScript enabled to view it , use our convenient Click to Call feature, or simply call our toll free number at 1-888-777-AUTO (2886). There is no charge to you, no pressure and no obligation. You can also submit our easy-to-use Do I Have a Case? form. Or click here to meet Aaron Sachs and hear more information about our free initial consultation.

Call Us Today
Aaron Sachs and Associates, P.C.
Missouri Underinsured Motorist Accident Attorneys
Toll Free 1-888-777-AUTO (2886)

Note: Neither the Supreme Court of Missouri nor The Missouri Bar reviews or approves certifying organizations or specialist designations.