Uninsured Motorist Lawyers In Jefferson City
Last updated on July 21, 2026
Medical bills and other losses can mount quickly when a careless driver hits you and flees or lacks adequate insurance. In the face of this, uninsured or underinsured motorist claims can offer a vital path to relieving the financial pressure you face.
At Grayson & Grayson, our Jefferson City uninsured motorist lawyers help auto accident victims throughout Central Missouri pursue fair compensation through such claims. We intentionally maintain a low-volume caseload so we can give our clients the full advantage of our 70 years of trial experience.
What Is Uninsured Motorist (UM) Coverage?
UM coverage protects you when a driver with no insurance or a hit-and-run motorist causes you to suffer injuries. Under it, you file a claim directly with your own insurer. Missouri law requires that every driver carry UM coverage with limits of at least $25,000 per person and $50,000 per accident. Along with your particular policy limits, factors such as the nature of your injuries and whether you have policies that could stack can have big impacts on potential recovery. Our attorneys can meticulously review your policies to identify every potentially available dollar of compensation.
What Is Underinsured Motorist (UIM) Coverage?
UIM coverage applies when the at-fault driver has insurance, but their policy limits cannot fully cover your injuries. Like UM, you file a UIM claim with your own insurer. However, unlike UM, Missouri law does not require UIM coverage. Thus, your ability to bring such a claim depends on the specifics of your policy. Our lawyers can give you honest answers on whether a UIM claim would be a viable option for you.
⚠️ Your Insurance Company Is Not Your Friend
Do not assume your insurer will put your needs first. When you file a first-party claim, like a UM or UIM claim, your insurer becomes your legal opponent. These companies often turn to Missouri’s comparative fault rules (which reduce an accident victim’s compensation by their own percentage of fault) to minimize payouts. Our attorneys aggressively counter these tactics to protect your rights.
Contact Our Missouri Uninsured Motorist Accident Attorneys Today
With how fast evidence disappears and insurance companies can deploy resources to protect their bottom line, acting quickly is critical after an uninsured or underinsured motorist accident. Call us at 573-255-8997 or reach out to us online today for a free consultation.