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Uninsured Driver Claims


In a perfect world, everyone driving on the roads would carry insurance for their vehicle. Missouri law does require operators and owners of motor vehicles to carry liability insurance. Unfortunately, not all drivers comply with the law in carrying liability insurance. If you or your loved one are struck and injured by someone who is uninsured, contact attorney John M. Cichelero for a free consultation. You can reach us via e-mail or call 314-205-2886.


Among other things, liability insurance provides protection to drivers and occupants of cars who are injured in accidents that are the result of another driver’s negligence. The liability insurance company for the vehicle driver who causes an accident usually will pay the damages the at-fault driver is legally required to pay, up to the limits of the insurance policy.


Notwithstanding Missouri’s law requiring owners and operators of cars to have liability insurance, many drivers in St. Louis and throughout Missouri drive uninsured. One national insurance journal estimated that 12% of all Missouri motor vehicle operators were uninsured in 2004. Across the United States, if someone is injured in an automobile accident, the chances are about 1 in 7 that the at-fault driver will be uninsured. (For more information on uninsured statistics, see


In order to protect yourself from the negative financial effects of injuries caused by uninsured motor vehicle drivers, you should have uninsured motor vehicle insurance coverage. Missouri law requires insurance companies who sell automobile liability insurance in Missouri to also provide a certain amount of uninsured motorist coverage. Uninsured motorist coverage usually applies to bodily injury claims only. The compensation you would usually seek from the at-fault uninsured driver (for example, compensation for medical bills, pain and suffering, and wage loss) can be sought from the insurance company or companies providing uninsured motor vehicle coverage.

Missouri law requires insurance carriers to provide their insured with at least $25,000 in uninsured motor vehicle coverage per person. However, purchasing more than $25,000 in coverage usually is not very expensive relative to the cost of liability insurance. For this reason, many drivers will purchase uninsured motor vehicle coverage in excess of the minimum amount required by Missouri law. This extra coverage can prove very helpful when you or a loved one sustains more serious bodily injuries due to the negligence of an uninsured driver.


Any time that St. Louis insurance attorney John M. Cichelero represents someone who has been seriously injured in a car accident or truck accident, he will take the steps necessary to locate all of the insurance policies available. If you or someone close to you is involved in a Missouri car crash with a driver who is uninsured, you may have an uninsured driver claim against one or more companies providing uninsured coverage. For example, you may have a claim against the insurance company providing the coverage on the vehicle you are driving or in which you are a passenger. Additionally, you also may have a claim against your own automobile insurance carrier even if you were not in your insured vehicle. The automobile insurance policies of other persons in your household might also apply, even though their vehicles had nothing to do with the automobile accident. Sometimes it is possible to “stack,” or combine, uninsured motor vehicle insurance policies. The stacking of uninsured motor vehicle policies can provide the injured victim of a car accident with more insurance coverage and, therefore, more compensation for injuries.


As you may sense, uninsured driver claims are complex and involve issues not present in most injury claims. Uninsured claims may involve contract law issues, stacking issues, subrogation issues, etc. Due to the complex nature of these claims, you will want to consult with a St. Louis uninsured motor vehicle claim attorney like John M. Cichelero, as he has nearly 25 years each of experience in handling these types of claims.


If you have been injured in a car, truck, or bus accident involving an uninsured motor vehicle, contact Attorney John M. Cichelero for a free consultation. Your claim will be handled on a No Fee if No Recovery basis. If you would like to discuss your claim with Mr. Cichelero, please e-mail or call 314-205-2886. He handles cases in St. Louis City, St. Louis County, Jefferson County, St. Francois County, Franklin County, Washington County, Lincoln County, Madison County, Kansas City, Jackson County, Greene County and any other county or city within Missouri. Mr. Cichelero also practices law in Illinois and represents clients in parts of the metro east, such as Granite City, Collinsville, Alton, Fairmont City, Belleville, Shiloh, Fairview Heights, and O’Fallon.

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