People involved in car accidents often have questions. Some common questions The Cagle Law Firm gets:

What if I’m struck by a driver who doesn’t have insurance, or has inadequate insurance?

After a crash caused by an uninsured vehicle or underinsured driver, your uninsured motorist coverage should insure your bodily injuries up to the limits of your coverage. All auto insurance policies offered in Missouri and Illinois are forced to include coverage against uninsured drivers. Your uninsured motorist policy will compensate you for your bodily damages, but not damage to your vehicle. In some cases, you may have to file a first party claim against your insurance company if they won't honor the terms of your policy. An experienced auto accident lawyer can counsel you.

I was hit by a drunk driver. He has been put in jail, but I’m still injured and unable to work. What are my options?

Whether in St. Louis, Missouri or parts of Illinois, it’s vital to realize that DUI victims who are injured by an alcohol or drug-impaired driver can file a separate civil lawsuit to recover damages for injuries and property loss in a drunk driving accident. DUI victims have a legal right to seek compensation for a personal injury caused by the negligence of another person. A capable St. Louis car accident lawyer can review your accident and answer your questions and concerns.

I was hit by another driver while they were on their cell phone. Can I collect damages caused by their carelessness?

Many vehicle and pedestrian accidents in Missouri are caused by cell phone use. Sending text messages while driving is very irresponsible and is illegal for drivers under age 21. Motorists who text while driving risk the safety of other motorists and pedestrians. If a driver who was texting while driving caused a collision resulting in serious damages to you, you have a legal right to hold the motorist and their insurance company responsible for your injuries. As the other party may seek to prolong the claims process, you may have to file a lawsuit to show them you’re serious. An experienced Missouri auto accident lawyer can obtain the phone records of the at-fault driver and find out exactly whether they were talking on the phone at the time of the crash. This can provide strong evidence in your legal claims against the at-fault driver and their insurance company.