insights - all things legal

August 6, 2026

The Auto Insurance Coverages That Shape a Missouri Injury Case

Missouri's mandatory Liability and Uninsured Motorist coverages, the optional layers worth adding, and the "No Pay, No Play" statute

After a car accident, the insurance coverages in play — and the amounts actually available — often shape the entire case. This article explains Missouri's mandatory Liability and Uninsured Motorist coverages, the optional layers worth considering — Underinsured Motorist, Umbrella, Medical Payments, and AD&D — and the "No Pay, No Play" statute that limits what an uninsured driver can recover.