Two drivers can cause the exact same crash and leave you in very different positions. One carries no insurance at all. The other carries just enough to be legal, which may be far less than a serious injury requires. Missouri treats those two situations differently, and your policy may, too.<\/p>\n
No policy, no coverage to pay your injury costs. Uninsured motorist coverage<\/strong> is designed for this, and Missouri requires it on every auto policy.<\/p>\n<\/div>\n A policy exists, but its limits run out before your injuries are fully addressed. Underinsured motorist coverage<\/strong> fills that gap, and in Missouri it’s optional.<\/p>\n<\/div>\n<\/div>\n Missouri’s minimum liability requirements are modest compared to the realities of a serious injury. A driver can be fully legal and still carry limits that disappear quickly after a significant crash on I-64 or Olive Boulevard. Without underinsured motorist coverage on your own policy, the difference may have no clear source.<\/p>\n Some underinsured policies reduce what they pay by the amount the other driver’s insurer already paid. Others sit on top of it. The wording matters, so it’s worth asking exactly how yours works.<\/p>\n First Community Insurance Agency, an affiliate of First Community Credit Union, compares options from multiple carriers for drivers in Chesterfield and across the St. Louis area. Learn more about our agency<\/a>, explore Missouri auto insurance<\/a>, or reach out through First Community Insurance Agency<\/a> on Chesterfield Airport Road in Chesterfield, MO.<\/p>\n","protected":false},"excerpt":{"rendered":" Two drivers can cause the exact same crash and leave you in very different positions. One carries no insurance at all. The other carries just enough to be legal, which may be far less than a serious injury requires. Missouri treats those two situations differently, and your policy may, too. The uninsured driver No policy, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[14,11,12],"class_list":["post-15","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-chesterfield","tag-first-community-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\tWhat Missouri’s Required Coverage Does and Doesn’t Do<\/h2>\n
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Why the Optional Piece Deserves a Look<\/h2>\n
Not All UIM Is Written the Same Way<\/h2>\n
A Two-Minute Policy Check<\/h2>\n
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