Far too many Missouri drivers carry no insurance or only the bare minimum. When you're hit by one of them, your own uninsured/underinsured motorist coverage may be the most important source of recovery — and insurers don't always make those claims easy.
Uninsured Motorist Cases in Missouri
Too many Missouri drivers carry no insurance or far too little to cover the harm they cause. When you're hit by one of them, your own uninsured/underinsured motorist (UM/UIM) coverage can be the key to recovering what you deserve.
How Missouri Law Applies to Uninsured Motorist Claims
Missouri requires uninsured motorist coverage, and underinsured coverage is widely available. After a crash with an uninsured or underinsured driver, you pursue a claim against your own insurer — which, despite being your company, often resists paying fairly. Missouri's pure comparative fault rule and the general filing deadlines apply, and policy interpretation frequently becomes a battleground.
Injuries and Damages We Help Recover
UM/UIM claims cover the same injuries as any auto crash — from whiplash and fractures to brain and spinal injuries — when the at-fault driver cannot pay. Understanding the limits and stacking rules of your policy is essential to maximizing recovery.
What to Do After a Uninsured Motorist in Missouri
Report the crash to police and your insurer, document everything, and get medical care. Review your policy for UM/UIM limits, and avoid giving a recorded statement before guidance. An attorney can hold your own insurer to its obligations and pursue the full coverage available.
Missouri Deadlines Matter
Missouri's statute of limitations for most personal injury claims is generally five years from the date of injury (Mo. Rev. Stat. § 516.120). Wrongful death claims must generally be filed within three years (Mo. Rev. Stat. § 537.100), and medical malpractice claims generally within two years (Mo. Rev. Stat. § 516.105). Missing a filing deadline can permanently bar your claim — talk to a uninsured motorist attorney as soon as possible.
Frequently Asked Questions About Uninsured Motorist Claims in Missouri
Most Missouri personal injury claims must be filed within five years of the injury, though some claim types (such as wrongful death or medical malpractice) have shorter deadlines. Acting early protects your evidence and your rights.
Personal injury attorneys in our network work on a contingency fee basis — you pay nothing up front, and the attorney is paid only if you recover compensation. Your initial case review is always free.
Missouri follows a pure comparative fault rule, so you can recover compensation even if you share some responsibility. Your award is reduced by your percentage of fault, which makes strong evidence important.
Value depends on the severity of your injuries, your medical costs, lost income, and the lasting impact on your life. There's no fixed formula. A free case review can help you understand what your specific claim may be worth.