Underinsured and Uninsured Driver Accidents

St. Louis Auto Accident Law Firm for When Recovery Options are Limited 

St. Louis can be a dangerous place to drive. Unfortunately, people often drive without car insurance. This is why it is important to carry Uninsured Motorist Coverage (UM) on your own policy. In fact, UM coverage is required by Missouri law. If you are hit by an uninsured or underinsured driver the chances are they will not have assets to satisfy any judgment you get against them. Our St. Louis accident law firm understands how frustrating this can be and we’re here to help.

Our St. Louis uninsured motorist attorneys conduct an asset investigation on every at-fault driver so you know exactly what assets he or she has. In addition, if they did not have insurance, we can file paperwork to have their drivers’ license revoked.

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How Much Car Insurance Does Missouri Require Me to Have?

Under Missouri law, drivers need only carry liability minimums of $25,000 per person and $50,000 per occurrence. While most responsible people purchase insurance coverage above these minimum limits, if you are in a car accident with someone who carries only minimal coverage, their insurance company may not cover all of your damage. Contact our law firm to speak with a St. Louis underinsured motorist lawyer today and learn your options. 

What if the At-Fault Driver Does Not Have Enough Insurance to Cover My Damages?

In cases like this, you have essentially two options. First, you may need to execute against the at-fault person’s assets to satisfy your damages over and above the insurance limits. Most people do not have adequate financial resources to fully compensate our injury clients. Therefore, in these scenarios, your second option is to make an underinsured motorist coverage (UIM coverage), you can file a claim with your insurance company.

We recommend our clients always purchase the most UM and UIM insurance coverage available. Our St. Louis underinsured motorist attorneys  will investigate whether you are entitled to these benefits. Often, people seem perplexed when we ask for other family members insurance on vehicles that were not involved in the accident. We do this because this type of coverage entitles the purchaser, and most often the household residents, to benefits even if the covered vehicle was not involved in the collision.

Our car accident lawyers know how to find coverage and frequently can stack multiple policy benefits together to increase the amount of money available. Our law firm routinely beats insurance companies when they try to deny these benefits.

What if the At-Fault Person is an Uninsured Driver?Uninsured Motorist Attorney Ryan Bradley 

Some irresponsible Missouri drivers operate without car insurance. In other cases, out-of-state drivers may only carry the coverage required by their home state, which can be as low as $10,000. If you are unfortunate enough to become involved in a car accident with an uninsured  driver, there may be little or no car insurance to pay for the damages you suffer, or even to cover your medical bills. Our St. Louis auto accident law firm will need to file a form with the Missouri Director of Revenue to have the person’s license revoked.

We’re the St. Louis Auto Accident Law Firm Near You

Our law office is conveniently located in downtown St. Louis. We have ample parking lots surrounding our office. The office is fully handicap accessible. If you are traveling by Metrolink, the station is only blocks away and the Metrobus has a stop right outside our doors. But if you cannot travel, we can always come to you. If you are looking for a St. Louis auto accident law firm near you, we are the obvious choice. Contact us today for a free consultation.

Our Results

Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients. Below are some of our recent personal injury case results.

$30M Sexual Assault
$14.25M Motorcyle Crash
$10.5M Fatal Wreck
$4M Product Liability
$4M Wrongful Death
$2M 18-Wheeler Wreck
$2M Wrongful Death Trucking Crash
$2M Wrongful Death Tractor Trailer
$1.7M Van Crash
$1M Truck Crash
$1M 18-Wheeler Wreck
$321K Auto Crash
$300K Motorcycle Wreck
$300K SUV Wreck
$225K Truck Crash

View All Results →


What Our Clients Are Saying

"Overall, I had a great experience working with The Bradley Law Firm!! I would recommend Ryan and his team to anyone. Being involved in a car accident can be quite stressful and dealing with insurance companies can be even more stressful. Having Ryan in my corner lifted a huge burden off my shoulders and made this process much easier for me. They handled everything. Tina is great…she is awesome! She’s extremely patient and kept me informed throughout the entire process. The Bradley Law Firm team is very personable, easy to talk to, and a pleasure to work with."


St Louis Personal Injury Lawyer

Our Results

Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients.

St Louis Personal Injury Lawyer

Our Mission

It is our mission to ensure you receive a maximum recovery for all of your damages, to the fullest extent under the law.


We Maintain the Highest Possible Ratings from Professional Organizations


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St. Louis Lawyer Disclaimer: The legal information offered herein, is not formal legal advice, nor is it the formation of an attorney client relationship. In order for our firm to be considered your attorney there must be a signed agreement between the client and the firm. Any results set forth herein are based solely upon the circumstances of that particular case and offer no promise or guarantee upon the outcome of any other case. Please contact a lawyer for a consultation. This site is not intended to solicit clients outside the State of Missouri or Illinois. The Bradley Law Firm may co-counsel or associate with other law firms around the country at its discretion from initial intake through litigation when it deems appropriate.

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Bradley Law Firm Bradley Law Firm 1424 Washington Ave., #300 St. Louis, MO 63103 314-400-0000 Prices Vary St Louis Personal Injury Lawyer - 5 stars - based on 46 reviews