Uninsured Motorist Coverage (or “UM”) is a required coverage available under your automobile insurance policy that covers your personal injuries in the instance that the other driver is at-fault and does not have insurance. Under Missouri’s motor vehicle financial responsibility law, all Missouri drivers are required to have at least $25,000 in liability coverage to cover any injuries they may cause in a car accident. Unfortunately, there are times when people allow their insurance to lapse or just outright do not carry automobile insurance.
However, Missouri law also requires that every automobile policy in the state has to have $25,000.00 in uninsured motorist benefits. As a result, even if you are injured through no fault of your own in a Missouri car accident and the other driver does not have insurance to cover your injuries, you still have coverage under your own insurance policy that will apply. In some cases, that will be the state minimum of $25,000.00. In other cases, there may be more coverage available if you purchased additional coverage for your policy. Although uninsured coverage is required, most people are advised to carry additional uninsured motorist coverage for these types of scenarios.