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Yes, uninsured motorist coverage is required in Missouri. Drivers in Missouri are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person (up to $50,000 per accident). Missouri does not require drivers to have uninsured motorist property damage (UMPD) insurance, however.
Uninsured motorist insurance covers the policyholder’s expenses after an accident if the other driver doesn’t have insurance or doesn’t have enough coverage to pay for the damage. UMBI pays for the policyholder’s medial bills, while UMPD pays to repair or replace their vehicle. Instead of UMPD, drivers in Missouri can use collision insurance, which covers repairs after any car accident.
How Uninsured Motorist Coverage Works in Missouri
Normally, a Missouri driver can collect damages from the at-fault driver’s liability insurance after an accident. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company in order to pay your bills and get the repairs or treatment you need without waiting for the courts.
Even though car insurance is required in Missouri, an average of 14% of drivers in the state don’t have car insurance. Car accidents in Missouri can be extremely expensive, too. For example, fatal accidents in Missouri have a total cost of $1.31 billion each year. As a result, uninsured motorist insurance is a smart investment for Missouri drivers.
- Uninsured Motorist Bodily Injury Coverage: $25,000 per person and up to $50,000 per accident
- Uninsured Drivers on the Road: 14%
- Total Crashes per Year: 11,288
- Total Annual Cost of Fatal Accidents: $1.31 billion
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