For those victims and the families of those victims who have been involved in an accident with an uninsured motorist, fortunately they may find compensation through the insurance they may have available through their own automobile insurance policies or the policies of the motorist with whom they may have been a passenger.
WHAT IS THE MISSOURI UNINSURED MOTORIST STATUTE?
Every automobile insurance policy issued in Missouri is required to contain uninsured motorist with limits of at least $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Uninsured motorist coverage is mandatory; if you have an automobile insurance policy, you have uninsured motorist coverage. (MO Rev Stat § 379.203)
WHO IS COVERED BY UNINSURED MOTORIST COVERAGE?
Uninsured motorist coverage is always available to the policy holder or the person whose name appears on the automobile policy. However, the coverage does not end there. Usually, and in most instances, the uninsured motorist coverage extends to:
- family members of the named policyholder
- passengers of an automobile which is insured
You do not have to be a policyholder, family member of a policyholder or passenger to be eligible for uninsured motorist benefits.
You may also be entitled to uninsured motorist coverage if you were a:
- motorcycle rider or passenger
So long as the negligent motorist who caused your injuries was operating an uninsured motor vehicle at the time of your accident, you may be entitled to uninsured motorist coverage.
WHAT DOES UNINSURED MOTORIST COVERAGE COVER IN MISSOURI?
The uninsured motorist coverage required by Missouri law is for bodily injuries. Bodily injuries include compensation for the obvious losses of:
- past and future medical bills you may incur as a result of the accident
- past and future lost earnings
- your pain and suffering
Most policies do not cover property damage such as the damage to your vehicle, although some uninsured motorist coverage will cover property damage if an added premium is paid for that coverage.