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The Importance of Underinsured Motorist Coverage

Underinsured motorist coverage is optional in Missouri, however every driver on the road should seriously consider adding the coverage.  When a person is injured in a car accident, their recovery is often capped by the other driver's insurance limits.  In Missouri, the minimum automobile coverage required is $25,000 per person and $50,000 per accident.  If you have substantial injuries, or are injured along with a number of other people, these limits will not be enough.  This is where underinsured motorist coverage kicks in.

Do I Need an Attorney

If you have been injured in an accident, you may be wondering whether you need an attorney to pursue a claim on your behalf.  Not every case requires an attorney and in some cases, where damages are minimal, an attorney will be of little assistance.  At the same time, questions with regard to the amount your injuries are worth, comparative fault, and hospital liens can make settling a case on your own very difficult.  

Missouri Supreme Court Reaffirms the Right to Trial by Jury

The Missouri Supreme Court in Lewellen v. Chad Franklin National Auto Sales North, reaffirmed Missouri's Constitutional guarantee of a right to a jury trial in this state. In Lewellen, the trial court reduced a punitive damages award for a plaintiff based upon a 2005 Missouri statute which limited punitive damages to 5 times the Plaintiff's actual damages. The Missouri Supreme Court overturned that reduction.

More Coverage Than You Thought?

If you have been injured in a car accident, there be more insurance coverage available than you originally thought. In a recent opinion, the Western District Court of Appeals determined that each separate policy of insurance issued to a driver, must provide at least the state minimum insurance coverage of $25,000 per person and $50,000 per accident. The Court's opinion does not apply to policies written for multiple vehicles under the same policy.

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