Uninsured/Underinsured Motorist Coverage in Kansas City, MO
Uninsured/Underinsured Motorist Coverage Quote Forms
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Uninsured/Underinsured Motorist Coverage Information
According to a 2021 report by the Insurance Research Council, one in eight drivers is uninsured. While you can’t control whether the drivers around you have proper insurance, you can take steps to protect yourself from the financial effects of an accident by purchasing uninsured/underinsured motorist coverage.
Contact Auto Insurance Discounters today to learn more about uninsured/underinsured motorist coverage and get a personalized quote.
How Uninsured and Underinsured Motorist Coverage Works
In Missouri, uninsured motorist coverage is required. Missouri drivers must have an auto insurance policy that meets the state’s minimum liability requirements and the minimum uninsured motorist bodily injury (UMBI) requirements.
If you are in an accident with a driver that doesn’t have proper insurance, your UMBI policy can help pay your medical expenses.
UMBI does not cover damage to your property. If you are concerned about being able to get your vehicle fixed after an accident with an at-fault driver who is underinsured or uninsured, speak with your agent about adding collision insurance to your policy.
What is Uninsured Motorist Coverage & Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage helps pay for accident-related expenses and medical bills for you and your passengers after a car accident if the other driver is at fault but doesn’t have adequate coverage.
The at-fault driver may not have liability car insurance coverage, they may not have enough coverage to cover your medical bills, or their insurance company may deny coverage or go out of business.
Uninsured/underinsured motorist bodily injury coverage can help cover the following accident-related expenses:
The Difference Between Uninsured and Underinsured Coverage
Underinsured motorist coverage kicks in when you are in an accident with an at-fault driver who doesn’t have enough liability coverage to pay for your accident-related medical costs. Uninsured motorist coverage provides financial protection if you are in an accident with an uninsured at-fault driver.
Without this coverage, you may have to pay for your medical bills out-of-pocket and sue the other driver. UMBI coverage helps you get the financial help you need after an accident with an uninsured or underinsured driver so you can get the necessary payments for medical treatment sooner.
How Much Uninsured Motorist Coverage Do I Need?
Missouri drivers must purchase enough uninsured motorist coverage to meet the state’s minimums. Your agent may recommend purchasing more than the required minimum, depending on your situation.
How to Get Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage may be an important part of your auto insurance plan. Contact Auto Insurance Discounters located in Kansas City, Missouri, and Independence, Missouri, today to get an auto insurance policy tailored to meet your needs.