Bodily Injury
If the policyholder or another driver covered by the Missouri auto insurance policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Missouri auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your Missouri auto insurance quote refers to the maximum amounts that will be paid per accident.

Uninsured Motorist Bodily Injury
Uninsured motorist bodily injury coverage is mandatory in the state of Missouri. Also, the limits you choose must be less than, or equal to, your bodily injury limits. The minimum limit you can purchase is $25,000/$50,000.

The dual coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.

Medical Payments
Medical payments is an optional coverage in Missouri that pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

The auto insurance coverage limit refers to the maximum amount that will be paid per person, per accident.

Uninsured/Underinsured Motorist Bodily Injury
Uninsured/underinsured motorist bodily injury coverage pays for medical expenses, lost wages, and other general damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no insurance or insufficient coverage. Uninsured/underinsured motorist coverage may also pay for injuries sustained in hit-and-run accidents.

If the other driver is uninsured, this coverage generally pays up to the limit you purchase. If the driver is underinsured, this auto insurance coverage typically pays any difference between what the other driver's insurance covers and what your bodily injury coverage will pay.

The dual coverage limits refer to the maximum amounts that will be paid per person, per accident, respectively. If the limits you purchase are lower than an accident's costs, you will be responsible for paying the amount over your limits, unless you are covered by health insurance.

Note that in Missouri, uninsured and underinsured motorist coverages are offered separately, rather than as a package.