How Can I Pursue Financial Recovery from a Driver Who Does Not Have Vehicle Insurance Coverage?

At The Gogel Law Firm, our St. Louis car accident attorney knows that Missouri state law requires vehicle owners to have a minimum level of coverage to legally operate their cars, trucks, and SUVs in the state.

This law protects the vehicle’s owner and any potentially injured parties from paying for an accident’s expenses out of pocket. Unfortunately, not everyone follows the law. Whether an individual is uninsured because of ongoing financial hardship or short-term situations where coverage has lapsed temporarily, the outcome could be disastrous for those injured because of an uninsured driver’s lack of coverage.

Luckily, Missouri requires all drivers to carry uninsured motorist (UM) coverage. Here is what that means for accident victims throughout the state.

What Does Uninsured Motorist Coverage Provide for Injury Victims?

Uninsured Motorist Coverage

Uninsured motorist coverage protects motorists if they are involved in an accident with someone who does not have the required liability insurance. This allows motorists and their passengers to pursue compensation for injuries sustained in a car accident caused by an uninsured driver.

The minimum required liability for uninsured motorist coverage in Missouri is:

  • $25,000 per person.
  • $50,000 per accident.

This coverage does not supplement damages sustained to the vehicle or personal items lost during the crash.

What Happens If My Injuries Require Compensation Beyond the At-Fault Driver’s Coverage?

Sometimes, the at-fault party may carry vehicle insurance but only have the minimum coverage.

The minimum level of coverage required by Missouri state law is:

  • $25,000 per person for bodily injury.
  • $50,000 per accident for bodily injury.
  • $25,000 per accident for property.

If your injuries exceed these coverage amounts, you may pursue your insurance company for the underinsured motorist (UIM) coverage included in your policy — if you have selected the coverage from your insurance company.

UIM coverage is not required in Missouri. You must opt-in to the add-on coverage and carry at least double the at-fault person’s coverage limit to pursue its benefits after an accident.

Have You Been Involved in a Car Accident with an Uninsured Motorist in Missouri?

If you have been injured in an auto accident caused by an uninsured motorist in Missouri, contact our St. Louis personal injury attorney today to review your case by calling (314) 370-8173 or online to schedule a free consultation to learn more about your legal rights and options to pursue your insurance coverage for your complete financial recovery needs.

Need legal help? Give us a call.


745 Old Ballas Road
St. Louis, MO 63141

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