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Underinsured Motorist Coverage

In the state of Missouri the minimum insurance policy that an individual must own is $25,000/$50,000 meaning that the maximum one person can recover is $25,000. However, what happens when the injured party’s claim well exceeds the minimum policy? This is when it is crucial to possess your own motorist coverage, thereby you may invoke your underinsured motorist coverage. By having underinsured motorist coverage you may be able to collect more compensation than what the tortfeasor’s insurance provided. This additional compensation is limited to the policy limits of your underinsured motorist coverage.

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