Uninsured Motorist Coverage — Missouri
Uninsured Motorist Coverage pays your medical bills and lost wages when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or when a hit-and-run driver can't be identified. It covers your medical expenses, lost wages, and in some states your vehicle damage. The at-fault driver is legally liable, but if they have no insurance and no assets, your own UM coverage becomes the only realistic source of payment. Missouri law allows you to reject UM coverage in writing, but once rejected, you can't add it back mid-policy without reapplying during renewal.
Who Needs Uninsured Motorist Coverage Insurance?
You need UM coverage if you're maintaining a non-owner policy during license suspension, because you're statistically more likely to be in an accident involving an uninsured driver during the reinstatement period. You need it if you live in St. Louis or Kansas City, where 1 in 7 drivers is uninsured. You need it if you have significant medical expenses that health insurance won't fully cover, because UM pays regardless of your health coverage and covers lost wages that health insurance never pays.
If the answer is no, carry UM coverage at least equal to your liability limits. If you're filing SR-22 after a DUI, your risk of being hit by another impaired or uninsured driver is statistically higher than average — UM coverage is not optional in that scenario.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your zip code's uninsured driver rate — St. Louis and Kansas City have higher uninsured rates and slightly higher UM premiums.
- Stacking vs non-stacking — Missouri allows you to stack UM limits across multiple vehicles on one policy, which doubles or triples the coverage cost but increases your maximum payout.
