As a Missouri personal injury lawyer, I took note of a recent collision involving a wrong-way driver on a St. Louis highway. News Channel 5 in St. Louis reported that three vehicles were involved in a car accident with a wrong-way driver on I-170 (the Innerbelt) just north of Ladue Road two weeks ago. The news report stated that the accident happened at 4:00 a.m. when a car was traveling in the wrong direction on I-170. Investigators indicated that the crash was caused by a southbound car in the northbound lanes. Three vehicles were involved and it causes multiple injuries as is often the case with these incidents.
When a Missouri car accident results in multiple persons injured, the injured parties may have to deal with a per occurrence insurance policy limit issue. Many Missouri automobile insurance policies have per person and per occurrence limits. If there are more than two persons injured in a car or truck accident, then a per occurrence limit might be an issue. For general information on Missouri’s requirements for motor vehicle insurance, click here.
Any St. Louis personal injury lawyer will be familiar with situations where there are several persons with substantial injuries (excluding at fault drivers) arising out of a car accident. In these situations, most liability insurance companies insuring an at fault driver may not settle a Missouri personal injury claim without getting all injured persons to agree to a division of insurance proceeds. At times, the insurance company might file an interpleader lawsuit with a Missouri Circuit Court. The insurance company will deposit its policy limits with the court for distribution among claimants. In this situation, the Missouri injury lawyer may present his or her client’s damages to the court.
In an automobile insurance policy limit situation, an attorney representing an injured Missouri party might also consider whether there is any underinsured motor vehicle coverage available to his or her client.
Innerbelt Collision at Ladue Road Sends Trio to Hospital, KSDK.com, March 31, 2011