Tag Archives: Personal Injury Attorney Springfield Missouri

Springfield Missouri Personal Injury Attorney: Treatment for Injuries Resulting From Car Accidents, Motorcycle Accidents, Semi-truck Accidents, Drunk Driver Accidents, Slip and Falls, or Other Accidents

As a Springfield Personal Injury Attorney, I know firsthand how devastating a car accident, motorcycle accident, semi-truck accident, drunk driver accident, slip and fall, or a work place accident, can be to a family. Many clients suffer injuries that prevent them from continuing work, or require them to reduce the number of hours they can work. Obviously, this inability, or reduced capacity to work creates major financial difficulties at home.

Many Springfield Missouri accident victims face serious challenges when seeking medical care for injuries resulting from accidents. Unfortunately, many car accident injuries go untreated as a result of no insurance and inability to pay for care.

Personal injury attorneys often have contacts with medical providers in your local community that can and will provide treatment. Often times, the treatment is at little or no upfront cost to the accident victim. In other words, the provider will charge you for their services, but they will delay collection until your case settles. The good news is you receive the treatment you deserve and need. The bad news, as with anything in life, nothing is free and you will ultimately be required to pay for the services.

If you have been injured in a car accident, motorcycle accident, semi-truck accident, drunk driver accident, slip and fall, or a work place accident, you should consult a personal injury attorney. Remember, I’m a former insurance defense attorney and one thing I know is the insurance companies are not out to help you. My office provides 100% free consultations for all injury cases. I will sit down with you and discuss all your options and help you get on track toward the physical and monetary recovery you are entitled to.

www.sims-law.com

By Matthew Sims

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Car Accident Springfield Missouri |Hit by an Uninsured Driver

You’re driving down the road minding your own business, when all of the sudden you’re involved in a car accident. At the scene of the accident, or at the hospital, you learn that the negligent driver was uninsured. Unfortunately, this is a scenario that happens all too often.

Springfield Missouri Car Accident Attorney
Generally, if you have been injured in a car accident, caused by an uninsured driver, your recovery will be limited to the amount of your own uninsured policy – or UM coverage. In Missouri, all insurance policies must provide bodily injury or death coverage in the minimum amount of $25,000.00 per person, and $50,000.00 for two or more persons. In addition to the bodily injury or death coverage, each policy must provide a minimum of $10,000.00 in property damage coverage.

Uninsured coverage, and dealing with insurance adjusters, can be very complicated, especially when you own more than one vehicle. If you have been injured in a car accident seek out a competent personal injury attorney immediately.

 
The minimum coverage may not cover your damages. The cost of medical care, lost wages, and pain and suffering add up quick. Take a look at the following three examples:

 
1. Joe, alone in his vehicle, was injured in a car accident caused by a negligent uninsured driver. Joe’s insurance policy provides for the Missouri State minimum coverage as described above. Joe does not own any other motor vehicles covered by insurance (more than one vehicle may change the outcome). Joe’s suffered a fractured leg, and other injuries, which exceed his $25,000.00 limits.

  •  Although his insurance company may argue the amount of damages, Joe is entitled to his policy limits of $25,000.00; and
  • Despite the fact that Joe has damages exceeding his limits, he will NOT recover additional damages.

2. Joe and his wife Jane were both injured in a car accident caused by a negligent uninsured driver. Joe and Jane suffer fractured legs and other injuries. Joe’s and Jane’s injuries exceed the $50,000.00 limits.

  • Joe is entitled to $25,000.00;
  • Jane is entitled to $25,000.00; and
  • No recovery of more than $25,000.00 per person or $50,000.00 will be had.

3. Finally, Joe, Jane, and their passenger John, are all injured in a car accident caused by a negligent uninsured driver. Each individually suffer injuries with damages exceeding $25,000.00.

  • All three must share in the total of $50,000.00; and
  • No individual shall recover more than $25,000.00

As you can see in the above examples, uninsured coverage, if purchased at the State minimum, is likely to fall short of the damages one may suffer in an auto accident in Missouri. The solution may be to purchase higher uninsured coverage. According to my insurance provider, I can purchase up to $500,000.00 in uninsured coverage. The cost of uninsured coverage is relatively inexpensive and should be discussed with your insurance provider.

If you or a loved one has been injured in a car accident in Springfield, Missouri, caused by anuninsured driver, you should seek representation immediately. I am a personal injury attorney in Springfield, Missouri, dedicated to helping injury victims recover the compensation they deserve. As a former insurance defense attorney, I can tell you the insurance companies are not out to help you. The insurance company is always represented, you should be too!

 
By Matthew Sims