Uninsured & Underinsured Motorist Coverage
Uninsured Motorist Coverage: Is required in Missouri. Protects the policyholder if injured by a driver who has no insurance.
Underinsured Motorist Coverage: Is optional in Missouri. Applies when the at-fault driver does not have enough insurance to cover damages.
Why do you need Uninsured & Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you when the at-fault driver has no insurance or doesn’t carry enough coverage to pay for your injuries or damages. Even though liability insurance is required, many drivers on the road remain uninsured or carry only minimum limits that may not come close to covering medical bills, lost wages, or long-term recovery costs after a serious crash. This coverage steps in to pay for your injuries, and in many cases damage to your vehicle, so you are not left paying out of pocket because of someone else’s lack of protection. It is especially important because an accident with an uninsured driver can create overwhelming financial stress, making this coverage a crucial safeguard for your health, finances, and future stability.
