🏆 $60M+ Recovered • Super Lawyers 2024-25 • 25+ Years Experience • No Fee Unless You Win
When an uninsured driver crashes into you on Highway 40, Gravois Avenue, or anywhere in the St. Louis metro area, you shouldn’t be left struggling to pay medical bills and repair costs alone. With approximately 16% of drivers in Missouri being uninsured—that’s one in every six vehicles on our roads—uninsured motorist accidents are a harsh reality for St. Louis families.
At The Dixon Injury Firm, we’ve spent over 25 years helping fellow St. Louisans navigate the complex world of uninsured motorist claims, recovering more than $60 million for clients who trusted us to fight for what’s right. As experienced uninsured motorist lawyers, we understand that getting hurt by someone without insurance feels like getting punched twice: first by the accident, then by the financial reality that follows.
We’re not just your uninsured motorist accident lawyers—we’re your neighbors, your friends, your fellow St. Louisans who are dedicated to making sure you get every dollar you deserve, even when the at-fault driver has no coverage to pay for the damage they caused.
Christopher R. Dixon, Founding AttorneyJuris Doctor, Oklahoma City University School of Law Licensed in Missouri for 25+ years
Attorney Christopher R. Dixon didn’t just choose personal injury law—he was called to it after witnessing firsthand how insurance companies treat accident victims in St. Louis. As a Lifetime Member of the Million Dollar Advocates Forum and “Top 100 Trial Lawyer” by the National Trial Lawyers Association, Chris has been repeatedly recognized in Super Lawyers® Rising Stars for his relentless advocacy in uninsured motorist cases.
Growing up in St. Louis and graduating from Lindbergh High School, Chris understands the unique challenges our community faces when dealing with uninsured drivers. His early experience with the St. Louis City Circuit Attorney’s Office gave him invaluable trial skills that he now uses to fight insurance companies on behalf of injury victims. Chris has personally recovered over $35 million in verdicts and settlements for clients across Missouri.
We start with a comprehensive analysis of your accident, injuries, and insurance coverage. Many St. Louis drivers don’t realize they have uninsured motorist coverage or don’t understand how it works. Our uninsured motorist lawyers review all available policies—yours, household members, even employer-provided coverage—to identify every potential source of compensation.
Our team immediately begins investigating your crash, gathering police reports, witness statements, medical records, and accident reconstruction analysis when necessary. A skilled uninsured motorist lawyer will conduct an independent investigation to ensure all crucial evidence is collected. We work with top medical experts in the St. Louis area to fully document your injuries and treatment needs.
Uninsured motorist claims can be particularly challenging because you’re essentially pursuing compensation from your own insurance company. As experienced uninsured motorist accident lawyers, we know every tactic insurers use to minimize payouts and have the proven experience to counter their arguments effectively. We negotiate aggressively while keeping you informed every step of the way.
If negotiations fail to produce a fair settlement, we’re fully prepared to take your case to court. With extensive trial experience in St. Louis County and surrounding jurisdictions, we’re not afraid to let a jury decide what your uninsured motorist case is worth.
Deep Local KnowledgeWe know St. Louis inside and out. We know which intersections see the most uninsured driver accidents, which hospitals provide the best trauma care, and which insurance companies are most likely to fight legitimate uninsured motorist claims. This local knowledge translates to better results for our clients.
Uninsured motorist cases require specific expertise in Missouri insurance law, policy interpretation, and coverage disputes. We’ve handled hundreds of these cases and understand the nuances that can make or break your recovery. Our uninsured motorist lawyers stay current on all Missouri law changes affecting these claims.
We work on a contingency fee basis, meaning you pay nothing unless we win your case. Most uninsured motorist accident lawyers operate this way, ensuring that legal representation is accessible to everyone. We advance all costs for investigation, expert witnesses, and court filings, so you can focus on healing while we handle the legal battle.
At The Dixon Injury Firm, you’re not just a case number. Attorney Dixon personally reviews every uninsured motorist case and stays involved throughout the process. You’ll have direct access to your legal team and regular updates on your case progress.
Missouri law requires all auto insurance policies to include uninsured motorist coverage unless you specifically reject it in writing. Additionally, Missouri mandates that uninsured motorist coverage be offered to all auto insurance buyers, ensuring a safety net for drivers in such situations. This coverage is designed to protect you when you’re injured by a driver who has no insurance or insufficient coverage to pay for your damages.
Coverage Limits: Uninsured motorist coverage limits typically match your liability limits. If you carry $100,000 in liability coverage, you likely have $100,000 in uninsured motorist protection. However, Missouri’s minimum uninsured motorist coverage is set at $25,000 per person and $50,000 per accident for bodily injury.
Stacking: Missouri allows “stacking” of uninsured motorist coverage in certain circumstances, meaning you may be able to combine coverage from multiple vehicles or policies for higher total limits. An experienced uninsured motorist lawyer can determine if stacking applies to your situation.
Statute of Limitations: You have five years from the date of your accident to file a lawsuit in Missouri, but insurance claims should be reported promptly to preserve your rights.
Hit-and-run accidents are covered under uninsured motorist provisions in Missouri. Our uninsured motorist lawyers can help you pursue compensation even if the at-fault driver is never identified or found.
Missouri follows a “pure comparative fault” system, meaning you can recover compensation even if you were partially responsible for the accident. Your recovery will be reduced by your percentage of fault.
You may be entitled to medical expenses, lost wages, pain and suffering, permanent disability, and property damage, subject to your policy limits.
Every case is different, but most uninsured motorist claims resolve within 12-18 months. Complex cases involving serious injuries may take longer to ensure maximum recovery.
Insurance companies sometimes wrongfully deny valid claims. Our uninsured motorist accident lawyers can appeal the denial and, if necessary, file a lawsuit against your own insurance company to enforce your coverage rights.
Absolutely. Insurance companies often try to minimize payouts, even on legitimate uninsured motorist claims. Having an experienced uninsured motorist lawyer ensures you receive fair compensation.
Our uninsured motorist lawyers have extensive experience handling cases throughout the St. Louis metro area, including:
Highway Accidents: High-speed collisions on I-64, I-70, I-270, and Highway 40 often result in serious injuries requiring extensive medical treatment and rehabilitation. These uninsured motorist accidents typically involve the most severe damages.
Intersection Crashes: Busy St. Louis intersections like Grand and Forest Park, Kingshighway and Manchester, and Gravois and Hampton see frequent accidents involving uninsured drivers.
Hit-and-Run Accidents: Unfortunately common in urban areas, these uninsured motorist cases require immediate investigation to preserve evidence and identify potential witnesses.
Commercial Vehicle Accidents: When uninsured commercial drivers cause accidents, the damages can be catastrophic due to the size and weight difference between commercial and passenger vehicles.
Beyond immediate medical bills and vehicle repairs, uninsured motorist accidents can create long-term financial hardships that only experienced uninsured motorist lawyers fully understand:
Without proper legal representation from qualified uninsured motorist accident lawyers, insurance companies often undervalue these damages, leaving accident victims struggling financially for years after their crash.
Our uninsured motorist lawyers represent accident victims throughout the greater St. Louis metropolitan area, including:
St. Louis County: Clayton, University City, Kirkwood, Webster Groves, Florissant, Hazelwood, Maryland Heights, Creve Coeur, Ballwin, and Chesterfield
St. Charles County: St. Charles, O’Fallon, Wentzville, and St. Peters
Jefferson County: Arnold, Festus, and Hillsboro
Illinois Metro East: Belleville, O’Fallon, Collinsville, Edwardsville, and Alton
No matter where your uninsured motorist accident occurred in the bi-state area, we have the knowledge and resources to pursue your claim effectively.
Chris Dixon & Greg Motil, St. Louis Uninsured Motorist Accident Lawyers
Proven Track Record: With over $60 million recovered for clients, our results speak for themselves in uninsured motorist cases.
Local Expertise: We understand Missouri’s unique uninsured motorist laws and how they apply to St. Louis area accidents.
Trial Experience: Unlike many uninsured motorist lawyers who only settle cases, we’re prepared to take your case to trial if necessary.
Comprehensive Investigation: Our uninsured motorist accident lawyers leave no stone unturned in building your case.
If you’ve been injured by an uninsured driver in the St. Louis area, don’t wait to seek legal help. With 16% of Missouri drivers being uninsured, these accidents happen more frequently than most people realize. Insurance companies begin building their defense immediately, and crucial evidence can disappear quickly. The sooner our uninsured motorist lawyers can begin investigating your case and protecting your interests, the stronger your claim will be.
Remember, we work on a contingency fee basis—no fee unless we win—so there’s no financial risk in getting experienced legal help from qualified uninsured motorist accident lawyers.
Your neighbors at The Dixon Injury Firm are ready to fight for the compensation you deserve. We’ve recovered over $60 million for clients just like you, and we’re prepared to put that experience to work on your uninsured motorist case.
Contact us today for your free case evaluation. Because when St. Louis drivers get hurt by uninsured motorists, we get results.
Many personal injury law factories get as many clients in the door as possible, hoping one will be the jackpot. Not us. At The Dixon Injury Firm, we’re highly selective about our cases because we devote considerable time and attention to each client.
