uninsured motoristOne in eight drivers are out there on the road with no insurance at all! That’s why in Missouri and Illinois, uninsured motorist coverage is automatically included on all automobile insurance policies. So, if you have auto insurance, even if it is a liability only policy, you have uninsured motorist coverage.

Many people think that they don’t have a claim if they get hit by a driver that doesn’t have insurance, or if they get hit by someone who flees the scene of the collision and remains unknown. This is not true. As long as you have insurance, or if there is insurance on the vehicle you are in, you will still be covered for your injuries. In these situations, your insurance company steps into the place of the coverage that should have been there for the at-fault driver.

Here are some other things you might not know about uninsured motorist coverage:

• It covers you if you are hit by someone with no insurance
• It covers you in hit and run situations where the at-fault driver is unknown
• It covers you if you are hit as a pedestrian
• It covers you if you are a passenger in someone else’s vehicle that gets hit by an uninsured motorist

At Sauter-Sullivan, we’re experts at making sure you get the settlement you deserve if you’ve been in an auto accident with someone who’s uninsured or underinsured. Here are some of the verdicts and results that prove it.