Uninsured motorist coverage is a type of car insurance that helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance. It is referred to in the auto insurance industry as UM coverage.
Missouri law requires all auto liability insurance policies to include UM coverage. This post will cover what UM coverage entails, the required minimum coverage in Missouri, the types of accidents it covers, and how to file a claim.
What is uninsured motorist coverage?
UM coverage is designed to provide you with a source of compensation if you're injured in an accident and the at-fault driver doesn't have liability insurance. This coverage acts as a safety net, ensuring that you have some financial recourse even when the responsible party is uninsured. It essentially offers you the same protection as if the at-fault driver had a standard liability policy. UM coverage is considered "floating, personal accident insurance," meaning it covers the insured individual regardless of the vehicle they're in at the time of the accident. This means your UM coverage applies even if you're a pedestrian or passenger in a vehicle that's not your own.
Minimum UM Coverage Required in Missouri
Missouri law mandates that all car insurance policies include UM coverage with minimum limits of $25,000 per person and $50,000 per accident for bodily injury. These limits refer to the amount your insurance company will pay out for injuries sustained in a single accident. These are the same minimum limits required for bodily injury liability coverage in Missouri.
Accidents Covered Under UM Coverage
In Missouri, UM coverage typically extends to accidents where the at-fault driver:
- Has no liability insurance whatsoever.
- Left the scene of the accident (hit-and-run).
- Has liability insurance, but their insurance company denies coverage.
- Has liability insurance, but their insurance company becomes insolvent.
- Has liability insurance that doesn't meet the minimum requirements in Missouri.
It's important to remember that the term "uninsured motor vehicle" in Missouri law specifically refers to vehicles. While a driver might not have insurance for a particular instance (like driving a friend's car), the vehicle itself might still be insured.
Intentional or criminal acts committed by the insured are not covered.
Making a Claim for UM Coverage
We highly recommend that you consult with an experienced car accident attorney, if you are injured by an uninsured motorist.
Here is the basic task list that the injury attorneys at the Law Office of Uhrig & Brown follow when preparing an uninsured motorist case for trial.
1. Report the Accident: We will contact your insurance company promptly to report the accident, providing details about the incident and the uninsured status of the other driver.
2. File a Police Report: Our team can assist with filing a police report, if the police were not called to the scene. A police report serves as crucial documentation for your claim, establishing the facts of the accident and potentially supporting your claim that the other driver was at fault.
3. Gather Evidence: Compile evidence to support your claim, including:
- Photos and videos of the accident scene, vehicle damage, and your injuries.
- Witness contact information.
- Medical records and bills.
- Lost wage documentation (if applicable).
Report The Car Crash to The Department of Revenue
We report every uninsured motorist car crash to the Missouri Department of Revenue using the Missouri Motor Vehicle Accident Report (Form 1140). It provides filing instructions, outlines consequences for uninsured individuals, and details required documentation, such as repair estimates or medical reports. The form must be submitted within one year of the accident date. For more information, contact the Missouri Driver License Bureau or visit their website.
Important Considerations:
Cooperate with the Insurer: Most uninsured motorist policies require that you respond promptly to requests for information or documentation from your insurance company. The UM insurer will likely ask for recorded statements or ask you to answer questions about the accident. Some insurance policies state that the insurer has the right to take your sworn statement. If such a request is made, the attorneys at the Law Office of Uhrig & Brown can help you prepare. It is highly recommended that you do not make a sworn statement with having your own attorney present.
Statute of Limitations: Be mindful of Missouri's statute of limitations for filing personal injury lawsuits, as failing to file within the specified timeframe may bar you from recovering compensation.
Legal Advice: Your insurance company is not obligated to settle your claim and remember that you have the right to legal representation throughout the process. If you encounter difficulties with your claim or the other party disputes fault, consult with the Law Office of Uhrig & Brown’s highly experienced personal injury trial attorneys.
UM coverage is complex, and the specific terms and conditions can vary depending on your individual policy. Always review your policy carefully and reach out to one of the knowledgeable car insurance attorneys at the Law Office of Uhrig & Brown if you have any questions or need clarification.
