Uninsured Motorist Coverage and Vexatious Refusal to Pay

Auto Accident

After an Auto Accident that caused you injuries an Auto Accident Attorney will be able to help you receive the compensation you seek for your medical bills, pain and suffering.  However, there are cases where the person you were in an accident with may have been driving without insurance and in that case your Auto Accident Attorney would likely file a claim for uninsured motorist protection with your own auto insurer.  In that situation your Auto Accident Attorney will send your auto insurer all the information about the Auto Accident, including the police report, all your medical information and bills, proof that the other driver did not have insurance and a demand for payment under the uninsured motorist section of your policy.

Unfortunately, insurance companies routinely deny the claim and refuse to pay you what was contracted for under the policy.  Missouri does give you and your Auto Accident Attorney recourse in this situation.  In Missouri, when an insurer refuses to honor its contractual obligations with its insured your Auto Accident Attorney can file a Vexatious Refusal to Pay count in the lawsuit they bring against your insurance company, after the insurance company refuses to pay within the statutorily mandated time period.

This additional count is important for a couple of reasons.  First, if the case goes to trial, this additional count gives another avenue of recovery to you and your Auto Accident Attorney.  Second, the threat of additional compensation gives your Auto Accident Attorney more leverage at the negotiating table and this is always a plus.

If you have been injured in an Auto Accident and would like to speak with an Auto Accident Attorney contact The Elster Firm for a free consultation.

The information provided is for general informational purposes and does not constitute legal advice.  No attorney-client relationship is created by this post.  The choice of an attorney is an important one and should not be based on advertising alone.