What if the at-fault driver doesn’t have insurance?

Missouri requires all drivers to carry uninsured motorist (UM) coverage, which helps protect you if the other driver has no insurance. If the at-fault driver has coverage but it’s not enough to cover your losses, you may be able to file an underinsured motorist (UIM) claim through your own policy, if you selected it. Your attorney can review your policy and pursue the correct avenues for recovery.