BEWARE: Just Because You Have “Full-Coverage” Automobile Insurance in Missouri Does NOT Mean You Have Underinsured Motorist (“UIM”) Coverage.

Underinsured Motorist (“UIM”) Coverage

Missouri’s minimum requirement for liability coverage (the coverage the person who caused the accident has) is only $25,000. Many times your first hospital visit bill will be greater than that amount. If you do not have underinsured coverage, even a multi-million dollar case might only obtain a $25,000 result.

Even if you are told you have “full coverage” insurance , Missouri is one of only a few states where that does not mean you have Underinsured Motorist (“UIM”) Coverage. Missouri does require that “full coverage policies” include Uninsured (“UM”) Coverage, but do not mistake that for Underinsured Motorist Coverage (“UIM”). UIM is coverage, you purchase, that helps & protects you, the injured individual that was not at fault.

Many worry this will affect their rates or premiums, but that will NOT happen, if you were not at fault. For example, if you have $1 million in UIM coverage, and you are injured by someone with only the $25k minimum coverage, if the value of your case justifies, you would be able to recover up to the full UIM policy limit. That additional UIM recovery would be available to you without any increase in your insurance rates/premiums or other penalties to you. So, this coverage can only benefit and protect you and your family members. Most of the time the cost to add significant UIM coverage to your existing car(s) insurance policy is very little per month, but the peace of mind, and protection it might provide, is huge.

It is extremely common that Missouri drivers have the state minimum required liability coverage, as it is the cheapest version of car insurance. So, odds are, if you are/were in a car accident your UIM coverage could help cover:

  • Major medical bills
  • Lost wages
  • Pain & suffering
  • any other economic/non-economic damages that might otherwise turn your life upside down

Just like the liability recovery from the at fault party is tax free, so is this UIM recovery.







EMAIL:  br**@mc*********.com

At McDuffey & Medcalf,  LLC, Personal Injury Law isn’t just one of our practices—it’s our only practice. We’ve handled thousands of cases over many years, perfecting the skills needed to ensure you receive the recovery you deserve. If insurance companies won’t pay what’s fair, we will step in to assist.

Common Cases We Specialize In:

  • Car Accident Injuries
  • Work Injuries
  • Slip & Fall Injuries
  • Semi-Truck Accident Injuries
  • Motorcycle Injuries
  • Boating Injuries
  • Medical Malpractice
  • ..And more

If you, or someone you Know has been injured, call us today to see we can help YOU add value to YOUR injury claim. Our most important investment is satisfied clients, and it costs you nothing!

Did you know? We have multiple office locations in:

  • Osage Beach, Missouri
  • Lebanon, Missouri
  • Jefferson City, Missouri

As well as the capability to meet with anyone throughout the state of Missouri in person, virtually or over the phone.

The choice of a lawyer is an important decision and should not be based on this blog’s information.  This article is not meant to be considered, or relied upon, as legal advice.  This blog is based one attorney’s experience and opinions.  The opinions of other lawyers may be drastically different from my own.