Underinsured Motorist Coverage (or “UIM”) is an optional coverage available for your personal automobile insurance that compensates you for personal injuries in a car accident when the at-fault driver’s insurance does not adequately cover your injuries. Unlike uninsured motorist coverage, drivers in Missouri are not required to have underinsured motorist coverage.
Under Missouri law, a Missouri driver must carry at least $25,000.00 in liability coverage to cover any bodily injuries that the driver may cause in a car accident. Since state law only requires $25,000.00 in liability coverage, many drivers do not elect to obtain additional coverage under their policies. As a result, many people who are seriously injured in a car wreck cannot recover the amount they need from the other driver’s insurance to cover their injuries. This is when underinsured motorist coverage comes into play.