What Is Uninsured Motorist (UM) Coverage? … And How Does it Work?
Uninsured Motorist Coverage is additional coverage that you purchase from your own auto insurance company that provides insurance coverage for you and others in your vehicle for injuries sustained if you are in an accident caused by a driver that has no automobile insurance. This optional coverage must be specifically requested by you when you purchase auto insurance unless you purchase an auto insurance policy in the state of Missouri where UM is a mandatory policy provision. Even when making a UM claim against your own auto insurance policy you will likely still need the assistance of an aggressive experienced auto accident attorney because a conflict of interest immediately develops between you and your own insurance company. You both need and want to be fairly compensated for your injuries, while your insurance company wants to settle your claim for as little as possible so that they can keep as much money as possible.