St. Louis Uninsured Motorist

Each year in Missouri, thousands of people are in car accidents involving an uninsured motorist.

The law requires all drivers to have auto insurance. However, in Missouri it is estimated that as many as 14% of drivers are uninsured. From July 2010 to July 2011, more than 6,000 accidents involved uninsured motorists.

The minimum requirement of liability insurance in Missouri is as follows:

• $25,000/person for bodily injury
• $50,000/accident for bodily injury
• $10,000/accident for property

If you have been in an accident with a driver who does not have insurance, report it immediately. Many insurance companies require an accident report to be filed within 24 hours of the accident.

Uninsured Motorist Accidents

An uninsured motorist is a person that continues to drive but does not maintain insurance on their vehicle. There are thousands of uninsured motorists in Missouri. An uninsured motorist is at risk of losing their license but there is not currently an effective program to make a person maintain insurance on their vehicle.

If you are involved in an auto accident with an uninsured driver, your claim for vehicle damage and medical bills is filed with your insurance company. This is referred to as an uninsured motorist claim.

If you have an auto liability policy you should also have uninsured motorist coverage. This type of coverage compensates you and your passengers for injuries you sustain as a result of a car accident involving an unisured motorist. It also compensates you if you’re involved in an accident with a vehicle that can’t be identified, such as in a hit-and-run accident. If you are involved in either type of accident, you need to report it immediately. Many insurance companies require a report to be filed within 24 hours of the accident.

Insurance Claim