Out of State Insurance Policies in Missouri Car Accidents | Car Accident Laywer St. Louis, MO

A Missouri appellate court has recently ruled that if certain language is present in an insurance policy, an injured person in Missouri does not have the right to claim uninsured motorist coverage if the person responsible for the accident has out of state insurance with policy limits less than $25,000.

For instance, Iowa has mandatory minimum policy limits of $20,000, while Missouri’s minimum amount is $25,000. Therefore, if the Iowa policy explicitly states that it will honor the higher limits of an out-of-state accident, then, according to this most recent ruling, the injured Missouri driver/passenger cannot receive additional compensation through his or her uninsured motorist coverage.

Often, policy language can be the dispute of whether or not an injured individual has the ability to be fully and completely compensated for his or her injuries from the insurance company. This involves complex and detailed analysis of prior case law and of the relevant insurance policy. While this most recent ruling clarifies one portion of the law, there are still many areas that remain unclear. If you or a loved one has been injured in a car accident call the lawyers at Henderson & Waterkotte, P.C. to discuss your options. We litigate every case aggressively and thoroughly and there is no fee unless we recover compensation on your behalf.