We are now in the process of filing suit against our client's insurance company.  In 2007, our client was struck by an uninsured driver.  This is a common occurrence, and many drivers think that they are out of luck if the defendant driver does not carry insurance.  In fact, this is untrue.  If you have your own policy of car insurance or you live with a relative who has car insurance, you are completely protected.  By state law, every insurance policy must afford you uninsured motorist coverage.  This is a type of coverage which kicks in if a driver hits you that is uninsured.  In our case, we submitted all of our client's medical bills as well as the police report to his insurance company, and requested reimbursement for his bills and injuries.  After a month went by, we received no response.  Then one day, I received a voicemail from the adjuster claiming that they were sending the file out for additional review.  Another month then passed without any word.  We tried to be reasonable with the insurance company by giving them two months to review a small stack of records, but yet they had not done anything on the case.  Moreover, under Missouri law, they can be liable for vexatious refusal to pay by failing to pay the claim within thirty days after their receipt.  In our case, we gave them double that amount of time, and still have not heard a thing. 

Now, we are going to sue them not only for his injuries, but also for additional penalties provided under the statute. 

Many attorneys that do not specialize in injury law are unaware of these statutes.  This is why it is critical to retain an attorney who specializes only in injury law.  We know all the ins and outs and we know how to prevent the insurance companies from playing their games.  If you have been injured in a car accident and would like to speak with a St. Louis injury attorney, feel free to contact Josh Myers.  It is always free to discuss your claim.