Auto & Motorcycle Collisions

Road transportation is dangerous and many people are maimed or seriously injured every day because of driver carelessness, negligence or incompetence. The law requires all drivers to exercise the highest degree of care when they are behind the wheel of a vehicle.

Our lawyers are skilled at assigning culpability and obtaining recovery for people who have suffered serious, and often lifelong injuries in auto, truck or other vehicular collisions. There are additional legal nuances to consider in any crash that involves a truck.

Our lawyers have extensive experience representing passengers, drivers and pedestrians. We handle around 100 auto collision cases every year.

Uninsured Motorist & Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protect insured individuals and compensates for injuries to policyholders, authorized drivers or passengers who are injured in a vehicle collision caused by a driver who has no insurance or insufficient insurance coverage.

Uninsured Motorist Coverage

This type of coverage is mandatory in Missouri so if you have car insurance you have uninsured motorist coverage. 

It may apply where an individual is involved in a collision with a driver that has no insurance, where the owner or operator of another vehicle cannot be identified, for example, a hit-and-run case (although it is not necessary that physical contact be made between the insured vehicle and the uninsured vehicle), as well as other scenarios.Whether you, your relative or any person occupying an insured vehicle is considered “insured” and entitled to uninsured motorist coverage is determined by your policy’s language.

Illinois does not require uninsured motorist coverage.

Underinsured Motorist Coverage

This type of coverage is optional and NOT mandatory in Missouri or Illinois. You must look at your auto insurance policy to determine if you pay for this type of coverage. Generally, underinsured motorist coverage may pay for damages incurred if the party at fault has insufficient liability coverage to pay for your damages. 

Because there is no statutory regulation, the contract between the insured and the insurer determines how much coverage an individual is entitled to recover. 

There is a time limit in which a case must be filed making it essential to seek the advice of a lawyer familiar with this type of complex claim.