Home » How are settlements for uninsured/underinsured motorist claims determined in Missouri?

UIM and UM coverage

Settlements are typically based on the extent of your injuries, the impact on your quality of life, your medical expenses, lost income, and other damages. Insurance policy limits also play a significant role in determining the settlement amount.
While it’s not mandatory to have a lawyer, navigating the legal and insurance aspects of these claims can be complex. An experienced personal injury attorney can provide valuable assistance in ensuring that you receive fair compensation.
You may be eligible to recover damages for medical expenses, lost wages, pain and suffering, and, in some cases, property damage. The exact damages depend on the specifics of your case and the coverage limits of your policy.
If your insurance company denies your claim, you can file a lawsuit. It's advisable to consult with a personal injury attorney experienced in handling uninsured and underinsured motorist claims to guide you through the process.
To file a claim, notify your insurance company as soon as possible after the accident. Provide them with all the necessary details and documentation, including the police report, medical records, and proof of the other driver's insurance status. However, it is advisable to speak to an attorney as soon as possible so that that the attorney can communicate with the insurance company on your behalf.
Yes, you can sue an uninsured or underinsured driver. However, it's important to remember that collecting damages from a driver who lacks sufficient insurance coverage can be challenging. This is where your own uninsured/underinsured motorist coverage can be beneficial.
In Missouri, uninsured motorist coverage is required. The minimum coverage limits are $25,000 per person and $50,000 per accident for bodily injury. Underinsured motorist coverage is not required but it is advisable for all drivers to purchase this extra layer of protection.
Underinsured motorist coverage comes into play when the at-fault driver's insurance is not sufficient to cover your damages. This type of coverage can help pay for the difference between what the at-fault driver’s insurance covers and the total amount of your damages, up to the limits of your policy.
Uninsured motorist coverage is a part of your auto insurance policy that provides coverage if you're involved in an accident with a driver who does not have auto insurance.
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