14% of Missouri Drivers Are Uninsured

Missouri is among the 48 states in the U.S. that requires motorists to carry a certain level of auto insurance coverage. Despite this fact, however, about 1 in every 7 drivers in the state does not have car insurance. This ranks Missouri in the top 20 states with the most uninsured drivers – and it likely means that, if you drive in Missouri, it’s a good idea to carry uninsured/underinsured motorist (UM/UIM) coverage.

Why Uninsured/Underinsured Motorist Coverage Can Be Important

With about 1 in 7 drivers in MO being uninsured, here’s what motorists should know to protect themselves, a St Louis car accident lawyer explains.

With about 1 in 7 drivers in MO being uninsured, here’s what motorists should know to protect themselves, a St Louis car accident lawyer explains.

Typically offered as an added feature to auto insurance policies, uninsured/underinsured motorist coverage theoretically protects you in the event that you are hit by a driver without any – or without sufficient – auto insurance coverage.

With this provision, motorists can file claims with their own providers after these accidents and be compensated for their accident-related expenses, such as their medical bills and vehicle repairs.

In contrast, without such coverage, motorists would be left having to absorb these costs on their own, regardless of whether they were responsible for the collision.

UM/UIM Coverage Can Help after Hit-and-Runs

In addition to providing protection in the event an uninsured/underinsured motorist hits you, UM/UIM coverage can also protect drivers who are the victims of hit-and-run accidents. This is because, when the driver who has caused a hit-and-run cannot be identified or found, drivers can file claims with their own insurance companies for compensation – just as they can when an uninsured or underinsured driver hits them.

This can be an important safety net, particularly when hit-and-runs or other accidents cause extensive, expensive damage.

A Word of Caution about Dealing with Insurance Companies

While UM/UIM coverage can be helpful for motorists, it’s important for policyholders to understand that:

  • Just because they have this coverage (and pay their premiums in full and on time), they may still have difficulties getting insurance companies to honor claims.
  • This is generally because insurers are looking out for themselves and their profits.
  • Having an attorney on your side to help you protect your rights and interests as you deal with insurers can be the key to getting the full amount of compensation you deserve from your auto accident claim.
Contact a St Charles & St Louis Car Accident Lawyer at Ryan R. Cox & Associates, LLC

If you have been hurt in a traffic accident, an experienced St Charles & St Louis car accident lawyer at Ryan R. Cox & Associates, LLC is here for you, ready to provide you zealous legal advocacy, support and experienced help with your financial recovery.

Find out more about your legal rights and what we can do to help you by contacting us today to schedule a free, no obligations initial consultation with one of our lawyers. To set up this consult, call our firm at (636) 946-6886 or toll free at (855)772-5291. You can also email us using the contact form on this page.

From our offices based in St Charles, our lawyers represent people in St Louis, Hazelwood, Florissant, O’Fallon, Saint Peters, Wentzville, Lake St. Louis, Cottleville, Dardenne Prairie, Weldon Springs, Foristell, Portage Des Sioux, Defiance, Augusta, New Melle, St. Paul, West Alton, Flint Hill, Josephville, and Weldon Spring Heights, as well as individuals throughout St Charles County, St Louis County and the state of Missouri.

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Ryan R. Cox & Associates, LLC

Ryan R. Cox & Associates, LLC is a litigation law firm that represents individuals and families in serious personal injury and wrongful death claims throughout Missouri. We help people who have been injured in all types of accidents—including car or truck accidents, motorcycle accidents, slip and fall accidents, and much more. Whether your injury is something that can cause long-term issues like a brain injury or spinal cord injury, or it is something you’ll likely make a full recovery from, we are here to help.

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