Car accidents can be a daunting experience, especially if you’re not at fault. But what happens if you don’t have insurance? In Missouri, it’s mandatory for every driver to have liability insurance to cover any damages they cause to others. However, not everyone follows this law, and accidents involving uninsured drivers are quite common.
What to Do After a Car Accident
The first thing you should do after a car accident is to check if everyone involved is okay. If there are any injuries, call for medical assistance immediately. If it’s a minor accident, move your car to a safe spot away from traffic.
Next, call the police and report the accident. You’ll need a police report to file an insurance claim or a lawsuit later on. Make sure to exchange contact and insurance information with the other driver involved.
What Happens if You Don’t Have Insurance?
If you’re involved in a car accident in Missouri and you don’t have insurance, you could face serious consequences. You’ll be liable for all the damages caused to the other driver and their property, including medical bills, car repairs, and any other related expenses.
In addition, you could also face legal action and fines. Missouri law requires all drivers to have liability insurance, and driving without it is a misdemeanor offense punishable by a fine of up to $300, suspension of your driver’s license, and even jail time.
What If You’re Not at Fault?
If you’re not at fault for the accident but don’t have insurance, you’ll still be responsible for any damages caused. However, you can still file a claim against the other driver’s insurance company for compensation.
If the other driver doesn’t have insurance, you can file a lawsuit against them to cover your expenses. However, this can be a long and complicated process, and there’s no guarantee that you’ll get the full amount of compensation you’re seeking.
What Are Your Options?
If you don’t have insurance, it’s always best to seek legal advice from an experienced car accident attorney. They can help you navigate the legal system and ensure that you get the compensation you deserve.
Another option is to purchase uninsured motorist coverage. This type of insurance will cover you in case you’re involved in an accident with an uninsured driver. It’s not mandatory in Missouri, but it’s highly recommended to protect yourself and your finances.
Conclusion
Being involved in a car accident without insurance can be a stressful and overwhelming experience. However, it’s important to remember that you still have options and legal rights. Always seek legal advice and consider purchasing uninsured motorist coverage to protect yourself and your finances.