A recent report warns that many underinsured Missouri drivers struggle with medical bills after an accident. Too often, drivers settle for inadequate
car insurancecoverage in exchange for a low price.
Mandatory minimum car insurance in Missouri
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per accident
- $10,000 in property damage coverage per accident
Despite this, as many as 15% of Missouri drivers don’t have any car insurance at all. This equates to tens of thousands of people, and puts everyone else at risk.
Law-abiding Missouri drivers lack the right insurance
Uninsured motorist coverage is mandatory, but if you only accept the minimum requirement of $25,000, you could be in trouble following an accident.
As explained by
Fox 2, $25,000 doesn’t go far when paying for modern medical care. For a serious accident, it may cover less than one day in the hospital.
Low mandatory minimums, coupled with lots of uninsured drivers, has left many law-abiding Missourians on the hook for crippling medical costs. If the other driver has no insurance, and your own policy only covers a small portion of medical care, you will have to fund your recovery out-of-pocket. This is what happens to thousands of underinsured drivers, every year.
Fox 2 recommends increasing the amount of uninsured motorist coverage you take out, above the mandatory minimum amount. Alternatively, you can protect yourself with a personal umbrella policy.
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