Get into a Car Accident and You Don’t Have Insurance?

Missouri is considered a “no pay, no play” state. It means that if you are severely hurt in a car accident, and you do not have your own auto insurance (or on the car you were borrowing), then Missouri law now limits you from recovering the full amount of compensation for your injuries, even if the other driver was completely at fault.

According to Missouri Statute 303.390, an “uninsured motorist” waives their right to make a claim for “noneconomic loss” against an at-fault driver in the event of a car accident. An uninsured motorist is a person who does not possess their own auto insurance or uses a car with no insurance.

However, the following are two exceptions to this law:

  • If the car accident was caused by a drunk or drugged driver “in whole or in part”
  • If you had insurance that was canceled prior to the car accident and you were notified “at least six months before the accident”

Obtain Experienced Legal Assistance from Our Columbia Car Accident Lawyers

This law has been applied in many cases, such as when a driver who doesn’t own a car borrows a friend’s car without knowledge that it did not have insurance and got injured by another party. That driver may be withheld from recovering compensation because their friend did not have auto insurance.

Fortunately, a skilled and reliable attorney can prevent this law from diminishing your chances to seek a personal injury claim. At Gump & Faiella, we have a thorough understanding of Missouri driving laws to help you navigate through the complexities of your case.

Contact our firm and request a free consultation today.

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