auto insurance uninsured motorist
Everyday, uninsured drivers cause wrecks, seriously injuring others. In fact, uninsured drivers probably cause more waste drivers carrying insurance. Many people feel they are lucky if he is injured in a car accident with a driver who is uninsured. This is not true. In Missouri, if you has its own insurance policy or living with a relative who has an automobile insurance policy, you're protected. By state law, all insurance policies also offers uninsured motorist (UM) coverage. This type of coverage exists solely to reimburse medical expenses and injuries caused by those driving without insurance. In essence, the acts of an insurance company as the insurance for uninsured driver. Under Missouri law, the minimum coverage each insurance company has to provide is $ 25,000.00. However, it is very beneficial to increase their coverage of UM at least $ 100,000.00. Often, this can achieved with only a few extra dollars each month.
However, drivers injured uninsured themselves, are out of luck. Section 379,203 of the Missouri Revised Statutes prescribe the scenarios under which insurance companies must provide UM coverage. For example, if you are a passenger, you're covered for coverage of their driver. Also, if you live with a blood relative, you are covered by their policy, even if they were in the car with you.
In addition to protection against injury in a car accident with an uninsured driver, there are laws of Missouri that also govern how an insurance company can process his claim under the UM coverage. In fact, there are Missouri laws that punish their insurance companies for refusing to pay under the uninsured motorist coverage within the thirty days of making a claim. Conversely, if they were injured by an insured driver, there are no rules govern how the defendant's insurance company could treated. Finally, if you have obtained an insurance policy that is registered to a single car, but you are riding in another at the time of the accident, never mind. The coverage of UM is said to "follow the person."
So, if you are injured in a car accident with an uninsured driver, consider a complaint can do with your own insurance company. In addition, to better protect you and your family, you should increase your uninsured motorist coverage as high as possible.
About the Author:
Joshua P. Myers is an expert in insurance law practicing in St. Louis, Missouri. For more information regarding him and his practice, visit http://www.JoshMyersLaw.com and http://www.SaintLouis-Injury-Lawyer.com.
Article Source: ArticlesBase.com – The Protection Afforded by Missouri Uninsured Motorist Coverage
KAIS Auto Insurance Tip 3 – Uninsured Motorist Coverage
