Law Stl

  Getting hit by an uninsured driver creates frustrating complications that can leave victims feeling helpless about recovering compensation for injuries and damages. Unfortunately, uninsured driving remains common in Missouri despite legal requirements. Approximately 12% of Missouri drivers operate without insurance, meaning roughly one in eight accidents involves uninsured motorists. Understanding your legal options and available insurance coverage when uninsured drivers cause accidents protects your ability to recover fair compensation despite their lack of coverage. Missouri's Insurance Requirements and Penalties Missouri law requires all drivers to carry minimum liability insurance of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage (Section 303.030 RSMo). Despite these requirements and penalties for noncompliance, thousands of Missouri drivers operate illegally without coverage. Penalties for driving uninsured include license sus...

  Winning a car accident case in St. Louis requires more than just telling your story—it demands concrete, compelling evidence that proves both liability and damages. Missouri operates under a fault-based insurance system, meaning you must demonstrate that another driver's negligence caused your injuries and establish the full extent of your losses. Understanding what evidence matters most and how to preserve it from the moment of collision gives you the best chance of securing fair compensation. Why Evidence Quality Determines Case Outcomes Insurance companies don't simply accept your word about how accidents occurred or the injuries you suffered. They challenge every claim, scrutinize every detail, and look for any opportunity to deny or reduce compensation. Without strong evidence backing your version of events, even legitimate claims can be dismissed or undervalued. The Insurance Research Council's 2024 data reveals that accident claims supported by comprehensive docume...