How Does Uninsured Motorist Coverage Work in St. Louis Missouri?

Uninsured motorist coverage protects you when you’re involved in a crash with a Missouri driver who doesn’t have driver’s insurance. 

However, it’s not always easy to get your insurance company to pay out the money you need, even when you have uninsured motorist coverage.

Before you attempt to file your uninsured motorist claim, it’s a good idea to understand how this type of coverage works in Missouri and what you can do to get the most out of your accident claim.

What Is Uninsured Motorist Coverage in Missouri?

Uninsured motorist coverage is a form of additional coverage that can be added to your existing liability coverage. In many states, drivers aren’t insured against an uninsured motorist unless they choose to pay extra for this type of coverage. 

If you’re a Missouri resident and you’ve been hit by an uninsured driver, you’re in luck — you probably already carry uninsured motorist coverage. 

Every state sets its own rules for the minimum driver’s insurance coverage requirements. Missouri is one of 20 states that require residents to carry uninsured and underinsured motorist coverage. 

This means that if you’re a registered Missouri driver, you carry this form of coverage whether you were aware of it or not. 

What Does Uninsured Motorist Coverage Pay for in a Missouri Crash?

If you’re an insured Missouri driver, you’re required to carry the minimum coverage limits outlined by the Missouri Department of Revenue for both liability coverage and uninsured motorist coverage.

Missouri’s liability coverage minimums are:

  • $25,000 per accident for property damage
  • $50,000 per accident for bodily injury
  • $25,000 per person for bodily injury

The state’s minimum requirements for uninsured motorist coverage require the same amounts for bodily injury: $25,000 per person and $50,000 per accident. However, Missouri’s required minimums for uninsured motorist coverage don’t include property damage. This means that while most accident injury costs can be covered by your uninsured motorist coverage, any damage to your vehicle probably isn’t covered. 

The primary exception is if you opted to pay for more than the minimum coverage limits or you carry some other form of coverage that handles vehicle damage, such as collision or comprehensive coverage.

Hit by an Uninsured Driver? A Missouri Car Accident Lawyer Can Help

Car accidents are already frustrating events. When you discover that the other driver is illegally driving around without insurance, it’s natural to feel angry and concerned about your options for recovering the compensation you need. 

At a minimum, your uninsured motorist coverage should help cover any injury costs, except in accidents that result in severe injury. Life-altering injuries often bring substantial lifelong costs, and it’s not uncommon for victims to pursue a lawsuit to recover the money they need in such cases. 

Anytime you need to get the most out of your uninsured motorist coverage, it’s best to consult an experienced Missouri car accident lawyer. A lawyer can review the terms of your policy and help identify how much you could potentially walk away with. 

A lawyer can also handle your claim for you. When you let a professional negotiate with an insurance representative, you typically receive a much better outcome. Don’t try to deal with the claim on your own — enlist help to get the compensation you deserve.