Under Missouri state law, drivers are required to have uninsured and underinsured motorist coverage in place to drive legally. This insurance protection protects the driver him or herself from damages caused in certain circumstances. Missouri is a tort state, which means that people who have been injured in a car accident have the right to sue the driver who is determined to be responsible for the accident to recover damages.
Uninsured motorist coverage pays out when the at-fault driver in an accident doesn’t have insurance. It takes the place of the third party liability coverage that the other driver should have had in place. You would make a claim to your own auto insurance company for your medical bills and lost wages incurred as a result of the accident. The other occupants of your car car are also covered under this type of coverage.
Underinsured motorist coverage works a little differently. The at-fault driver’s coverage is used first, and any amount owing above his or her policy limit is paid for by the underinsured motorist coverage, up to the policy limit you choose.
When you are trying to decide how much coverage to buy, consider your options carefully. Make a point of shopping around for the best rates for your coverage, and do ask for pricing for different levels of coverage so that you can get the best level of protection you can afford.