Uninsured Motorist Coverage — Missouri
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no insurance or insufficient coverage to pay your claim. It covers your medical expenses, lost wages, pain and suffering, and in some states your vehicle damage when the other driver can't or won't pay. You file the claim with your own insurance company, not the at-fault driver's nonexistent carrier. This coverage also applies to hit-and-run accidents where the other driver is never identified.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers without health insurance benefit most because Uninsured Motorist Bodily Injury becomes your primary payer for accident-related medical treatment.
Compare the annual premium to your health insurance deductible and out-of-pocket maximum.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your liability coverage limits — Uninsured Motorist limits cannot exceed your liability limits, so higher liability coverage opens access to higher UM limits and higher premiums.
- County uninsured driver rate — St. Louis City and counties with higher uninsured motorist rates see higher premiums because claim frequency is statistically higher.
- Whether you stack coverage — stacking multiplies your per-vehicle limits across all insured vehicles on the policy, which doubles or triples the premium but also the potential payout.
- Bundling with Underinsured Motorist Coverage — most Missouri carriers sell UM and UIM as a combined coverage, which costs less than buying each separately.
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