{"id":52,"date":"2026-09-30T09:09:55","date_gmt":"2026-09-30T15:09:55","guid":{"rendered":"https:\/\/www.milburnagency.com\/blog\/?p=52"},"modified":"2026-09-18T10:21:10","modified_gmt":"2026-09-18T16:21:10","slug":"does-umbrella-insurance-cover-an-uninsured-motorist-claim","status":"publish","type":"post","link":"https:\/\/www.milburnagency.com\/blog\/does-umbrella-insurance-cover-an-uninsured-motorist-claim\/","title":{"rendered":"Does Umbrella Insurance Cover an Uninsured Motorist Claim?"},"content":{"rendered":"

Missouri’s Uninsured Driver Problem, By the Numbers<\/h2>\n
\nContext worth knowing:<\/strong> Missouri consistently ranks among the states with a higher-than-average share of uninsured drivers on the road, despite the state’s $25,000 minimum liability requirement.\n<\/div>\n

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.<\/p>\n

Where Uninsured Motorist Coverage Fits In<\/h3>\n

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.<\/p>\n

Where the Gap Still Exists<\/h3>\n

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.<\/p>\n

How Umbrella Coverage Extends Protection Here<\/h3>\n