Q: What is Underinsured Motorist (UIM) Coverage, and why should all Missouri drivers have it?

A: Underinsured Motorist (UIM) Coverage is an optional type of car insurance you purchase to protect yourself and your family. It applies when you are injured in an accident that was not your fault, and the at-fault driver’s liability insurance is not enough to cover all of your damages.

It is highly recommended for Missouri drivers because the state’s minimum required liability coverage is only $25,000. It is very common for medical bills, lost wages, and other damages from a serious accident to exceed this amount. Without UIM coverage, even a case worth millions of dollars might only result in a $25,000 recovery, leaving you with significant uncovered expenses.