Missouri requires uninsured motorist coverage but not underinsured coverage, and its statutes do not mention stacking, though court decisions have required UM stacking where separate premiums are charged. Enter your limits, damages and the other driver's coverage to see the stacked and single-limit results.
Enter your policy limits, your damages and what the other driver's coverage paid.
Missouri's rules are in RSMo 379.203 (UM required), 379.204 (excess underinsured coverage) and 303.190 (minimum limits). The deadline is in 516.120.
Read how stacked and single-limit coverage differ in Missouri, check what the statutes say and leave to the courts, or see how Missouri UM and UIM differ.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Missouri statutes. Confirm how these rules apply to your specific case with a licensed Missouri attorney.