Legal Question in Traffic Law in Missouri
Unisured Drivers
What is my recourse against an unisured driver that caused an accident?
3 Answers from Attorneys
Re: Unisured Drivers
You could try to make a claim with your insurer. You may need to sue the other driver. Once your attorney obtains a judgment for you, they may be able to get that other driver's license suspended until they pay the Judgment or make solid payment arrangements.
Good Luck
Re: Unisured Drivers
Proceed under your own uninsured motorist coverage, contact Department of revenue and get driver's license revoked. I can help contact me at [email protected]
Greg S. Kessler
Re: Unisured Drivers
In Missouri, the law requires all drivers to carry at least 25,000/50,000 liability coverage. If you suffered property damage or injury caused by the uninsured driver, you should check to see whether you have "uninsured motorist" coverage on your own car insurance policy and make a claim for you damages with your own insurance carrier. They will, in turn, pursue the uninsured driver for recovery of anything that they pay to you under your policy. If you do not have this particular coverage, then I would suggest that you file a report with the state Department of Revenue. Either the local police or highway patrol, or your local driver's license bureau may be able to help you with this. Or, you might just call the Department of Revenue in Jefferson City and ask them how to make that report. The Department of Revenue will send the uninsured driver a Notice that his driver's license will be suspended. That usually gets the uninsured driver's attention. He or she will be able to prevent the suspension if he negotiates a settlement with you and signs an installment agreement on a from filed with the Department of Revenue. Then, he or she can drive legally so long as he or she makes the payments to you as agreed. If a payment is missed, you can report it to the Department of Revenue and they will suspend the driver's license. Unless your damages are very large, you can probably handle this yourself without an attorney. In any event, I would warn you against falling prey to lawyers who only post responses to this website in order to solicit new business.
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