What is Uninsured Motorist Bodily Injury Coverage?

January 27, 2012

Uninsured motorist bodily injury coverage refers to protection you purchase for yourself and your passengers against medical expenses caused by a driver without proper liability insurance. Uninsured motorist bodily injury coverage often has 2 limits - one for medical injury to each person, and another for each accident. Failure to carry liability insurance is illegal in most jurisdictions, but many states make carrying uninsured motorist coverage mandatory as well. For uninsured motorist coverage, Missouri law requires $25,000 per person and $50,000 per accident for bodily injury. Having uninsured motorist insurance benefits an accident victim because of the costly and time consuming hassle of suing the uninsured in court. Even winning a judgment may not recoup money, as the offenders frequently don't have assets to cover it.