Car Accidents and Personal Injury Claims
The reason that Missouri requires all drivers to carry liability insurance is so that, if you cause an accident, your insurance company will pay for the vehicle damage and, if applicable, medical expenses that you caused. When you suffer financial losses because of an accident, you can count on the other driver’s insurance company to pay you at least something, although it is not a perfect system when major damage is involved. Of course, some drivers on the road at this moment do not have the legally mandated insurance coverage, either because they cannot afford it or because they are too inconsiderate.
If the driver that caused the accident did not have insurance, you can file a personal injury lawsuit against him or her. That means that you are asking the driver personally to pay for the damages he or she caused. If you win your case and the defendant does not pay what the court orders him or her to pay you, you can go back to court to have the defendant’s paychecks garnished, so that you get a percentage of the defendant’s pay every month until you have received the full judgment amount. Hopefully, however, you have MedPay coverage that will pay your medical expenses up to a certain amount no matter who was at fault for the car accident.