Missouri Accident Lawyer Blog

Two men suffered serious injuries in a Missouri front end collision on March 20, 2011 at 2:17am.

The Franklin County Missouri car accident occurred on Missouri Route AT near Missouri Route M. Jeffrey Liviapoma, 19, of Manchester, Missouri was driving on a roadway near 2:00am. He lost control of his 2002 Chrysler Town and Country and crossed the centerline of the roadway. Liviapoma’s car crashed into a 2009 Chevrolet Cobalt driven by Justin E. Derecskey, 30, of House Springs, Missouri in a Missouri front impact collision.

Both Liviapoma and Derecskey were seriously injured in the accident. According to the Missouri State Highway Patrol, neither man was wearing his safety device. Derecskey was taken to St. John’s Mercy Hospital in Washington, Missouri by ambulance. The Arch helicopter took Liviapoma to St. John’s Mercy Medical Center in Creve Coeur. Liviapoma was reportedly uninsured.

Missouri law requires that all vehicle drivers and owners have a liability insurance policy, imposing minimum levels of coverage. Each driver is required to have uninsured motorist coverage of at least $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Missouri requires that proof of insurance be kept in the vehicle at all times.

The financial consequences of being in a Missouri car accident with an uninsured motorist are staggering. In a typical accident, the insurance company of the party at fault would cover expenses and pay damages. If the at-fault party does not have insurance, the victim is stuck with the bill. Uninsured motorist coverage is the surest way to protect your finances in the event of a car crash with a Missouri uninsured driver.

Missouri uninsured drivers themselves face significant financial risk when driving. Uninsured drivers receive no assistance from insurance companies to pay for vehicle damage, medical expenses, or protracted lawsuits. Lacking car insurance may also prevent a party from collecting damages from an at-fault party.