Does Umbrella Insurance Cover an Uninsured Motorist Claim?
Missouri’s Uninsured Driver Problem, By the Numbers
A serious accident with an uninsured or underinsured driver creates a genuinely difficult financial situation. Your medical bills and property damage still exist, but the person responsible for causing them may have little to no insurance to help cover the cost.
Where Uninsured Motorist Coverage Fits In
Uninsured motorist coverage on your auto policy is typically the first line of defense here, covering your damages up to your policy’s specific limit when the at-fault driver has no insurance at all. Underinsured motorist coverage addresses a related but distinct scenario, when the other driver has some insurance, just not enough to cover the full extent of the damages.
Where the Gap Still Exists
The Milburn Agency regularly works with St. Louis-area clients whose auto policy’s uninsured motorist limits, often matching their liability limits, simply aren’t enough for a truly severe accident involving long-term medical care or significant lost income. This is exactly the kind of gap umbrella insurance is designed to address.
How Umbrella Coverage Extends Protection Here
- Umbrella policies can include uninsured/underinsured motorist coverage as an added layer, extending well beyond what a standard auto policy provides
- This becomes especially relevant for injuries requiring extensive medical treatment, rehabilitation, or long-term care
- Without this extension, a household could be left personally absorbing costs beyond what their auto policy’s UM/UIM coverage pays
Why This Matters in a State With Missouri’s Numbers
Given how many Missouri drivers carry only the state minimum or no insurance at all, having a plan for what happens if one of them causes a serious accident isn’t overly cautious, it’s realistic. The Milburn Agency helps St. Louis-area drivers confirm their umbrella policy actually extends this specific protection, since not every umbrella policy automatically includes it.
If you’re not sure whether your current coverage addresses this scenario, it’s worth a direct conversation. Reach out through The Milburn Agency to review your policy.
