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Who Pays When the Other Driver Isn’t Insured?

Saturday, Mar. 28th 2020

Missouri law requires all drivers and vehicle owners maintain liability insurance coverage.  Liability insurance covers one’s legal liability when harms and losses happen as a result of a driver’s negligence.  Missouri law requires a driver have liability insurance providing at least $25,000 of coverage for each person injured in a crash.

Nevertheless, the Missouri Department of Revenue reports that thousands of Missouri citizens are involved in collisions each year involving drivers who fail to keep the required insurance.  In such a case you may make a claim under the uninsured motor vehicle coverage provided by the policy you purchased to protect you. 

Uninsured motor vehicle coverage provides benefits when you’re involved in a crash caused by another motorist who didn’t have insurance.  Insurers are required to include uninsured motor vehicle coverage on all automobile insurance policies sold in Missouri.  Again, policies must have at least $25,000 of coverage for each injured person.

No, your rates will not go up for making a claim under the uninsured motor vehicle coverage because Missouri law protects you.  An insurer cannot raise its rates because its insured made a claim against a policy for injuries or property damage resulting from a crash for which the insured is not responsible.  State regulation directs: “In no event shall an insurer request an increase in premium from any insured in connection with any claim arising out of any accident for which the insured was not at fault.”  20 CSR 500-2.600(3).

In sum, there is absolutely no reason to not pursue a claim against your motor vehicle insurance policy when the at-fault driver is uninsured.  Of course, these claims – called first-party claims – do demand particular expertise.  Insurance policies are contracts.  And, the injured person must comply with every policy provision to make a successful claim under the insurance contract.  Not all lawyers are familiar with these claims and the steps necessary to press the matter.  When interviewing potential personal injury attorneys to represent you, be sure to ask about their experience handling first-party insurance claims.

If you or a loved one have suffered accident injuries in a car accident call Northland Injury Law at 816-400-4878 to speak to a Missouri automobile accident lawyer today for help in recovering the compensation you need.  An experienced personal injury attorney can ease some of the burden by engaging in fact-finding, gathering the necessary documentation, and crafting concise and thorough demands for settlement of your claim.


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The Northland Injury Law Firm has been practicing in the Kansas City area for many years. Our founders, Max Von Erdsmannsdorff and Steve Mowry, built a strong foundation for the firm. Since Eric Bartlett joined the firm in 1996, Northland Injury Law has earned a reputation for success, honesty and compassion in personal injury and worker’s compensation.

I found Northland Injury Law to be very professional and honest! They kept me up to date on my case. I would highly recommend the whole firm for all your legal needs!!” – Michael T.

Northland Injury Law is proud of the relationships they’ve built with the clients they have served in the Northland and surrounding areas.  Their many great results for seriously injured people have helped their clients recover the significant economic losses that attend such serious injuries.

When it comes to a lawsuit after an accident or injury, representation matters! Most people do not realize that insurance companies have teams of lawyers, investigators, photographers and defense experts who immediately go to work following a serious accident involving their insureds.  They hire these people to minimize their exposure throughout the claims process and to reduce the amount received by the victim. Northland Injury Law aims to level the playing field for their clients.

This is an excellent law firm. They helped me out after an accident and did an awesome job. I would recommend this law firm to anyone who needs a good lawyer.” – Toni B.

Between them, Mr. Mowry and Mr. Bartlett have over  50 combined years of legal experience in the Kansas City Northland area. They have both been recognized by KC Magazine as “Top attorneys in Missouri and Kansas” and both have been recognized in the National Top 100 Trial Attorneys.

If you require the services of excellent local lawyers after an accident or injury, call Northland Injury Law today for a free consultation at 816-400-4878.

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