Missouri Injury Attorney Stephen Schultz Asks the Eternal Question: What is the "Right" Insurance?
This perplexing question is seldomly answered until its too late. There you are, seriously injured in a car accident, truck crash, or motorcycle crash. Adding fuel to the fire, the negligent party that caused the crash only had Missouri minimum liability coverage. With the exception of commercial tractor-trailer owners and operators, Missouri vehicle owners are only required to carry $25,000/$50,000 in liability coverage. The problem is that a just a couple of days in the hospital results in medical bills exceeding $25,000, leaving you (the victim), in a serious financial predicament. Even those with health insurance are at risk because often times co-insurance, deductibles, and other remaining charges mount quickly.
I can't tell you how important it is to research automobile insurance carriers and evaluate your personal insurance needs. UNinsured Motorist Coverage (UM) and UNDERinsured Motorist Coverage (UIM) are critical forms of coverage that are triggered when you are injured by either 1) an uninsured motorist, or 2) a motorist that doesn't have enough liability coverage to adequately compensate you for your injuries. UNDERinsured Motorist Coverage may be the most crucial form of additional protection one can purchase on an automobile insurance policy.
As a St. Louis Injury Lawyer committed to protecting the legal rights of injury victims, I often find that most Missouri motorists fail to carry adequate lines of insurance coverage on their automobiles. Unfortunately, this is only learned when I am unable to recover adequate compensation for clients despite obtaining the full policy limit of coverage available to the negligent driver who was at fault for the crash.
Most of my clients end up adding coverage to their automobile policies after our firm resolves their injury claim. Doing this may not help in the current claim, but it will eliminate the risk of being underinsured in the event of a subsequent injury. I can tell you that a few of my clients have called upon this additional coverage upon a future injury claim and expressed extreme gratitude for my recommendation of adding the appropriate coverages.
I urge anyone interesting in learning more about the differences between 'minimal' vs 'adequate' insurance coverage to contact me, Missouri Injury Attorney Stephen Schultz, personally at (314) 448-0934 or by email. You may also visit my informative Missouri Injury Website for helpful questions and answers to common insurance questions. I will go through each line of coverage and which ones are critical and which ones can be discarded in order to prevent you from being victimized twice in the future.
I can't tell you how important it is to research automobile insurance carriers and evaluate your personal insurance needs. UNinsured Motorist Coverage (UM) and UNDERinsured Motorist Coverage (UIM) are critical forms of coverage that are triggered when you are injured by either 1) an uninsured motorist, or 2) a motorist that doesn't have enough liability coverage to adequately compensate you for your injuries. UNDERinsured Motorist Coverage may be the most crucial form of additional protection one can purchase on an automobile insurance policy.
As a St. Louis Injury Lawyer committed to protecting the legal rights of injury victims, I often find that most Missouri motorists fail to carry adequate lines of insurance coverage on their automobiles. Unfortunately, this is only learned when I am unable to recover adequate compensation for clients despite obtaining the full policy limit of coverage available to the negligent driver who was at fault for the crash.
Most of my clients end up adding coverage to their automobile policies after our firm resolves their injury claim. Doing this may not help in the current claim, but it will eliminate the risk of being underinsured in the event of a subsequent injury. I can tell you that a few of my clients have called upon this additional coverage upon a future injury claim and expressed extreme gratitude for my recommendation of adding the appropriate coverages.
I urge anyone interesting in learning more about the differences between 'minimal' vs 'adequate' insurance coverage to contact me, Missouri Injury Attorney Stephen Schultz, personally at (314) 448-0934 or by email. You may also visit my informative Missouri Injury Website for helpful questions and answers to common insurance questions. I will go through each line of coverage and which ones are critical and which ones can be discarded in order to prevent you from being victimized twice in the future.
