Do you ever feel like your eyes start to glaze over as soon as you start thinking about insurance? You’re not alone. However, the various types of insurance available play important roles in our society, and are valuable resources for obtaining financial compensation when the need arises. This week, your car accident lawyers in Miller County MO are here to shed some light on one of the lesser-known areas of insurance: the uninsured motorist policy.


Auto Insurance: The Uninsured Motorist Policy

Every motor vehicle policy issued in the state of Missouri is required to have at least $25,000 in uninsured motorist coverage. It is up to the individual buyer’s discretion whether or not to purchase additional coverage, and many drivers do. Therefore, substantial funds exist to pay for uninsured motorist bodily injury claims. If you are injured in an accident with a driver who is not adequately insured, you may be able to get compensation for your injuries under your uninsured motorist policy.

Unknown Benefits Of The Uninsured Motorist Policy

What many people do not realize is that the uninsured motorist policy can also be used to obtain compensation in other situations – specifically, accidents involving a phantom motor vehicle or unknown driver.

  • Phantom Vehicle – This term refers to an automobile that causes damage and/or injury to another without seeming to make any contact.
  • Unknown Driver – This term is used to refer to a driver whose remains unidentified.

Traditionally, the driver who is not at fault in an accident can claim compensation from the at-fault driver’s insurance company. When the vehicle and/or the driver who is at fault is unknown, however, pursuing this compensation can be difficult. 

In recognition of this challenge, insurance companies expanded their uninsured motorist policies to cover the injuries resulting from accidents with phantom or unknown drivers. In this situation, the case becomes a direct action against their own insurer; the identity of the other driver is not required.

Contact Deputy & Mizell To Help You Obtain Compensation

Though the law allows drivers to obtain compensation for unknown drivers under their uninsured motorist policies, insurance companies are notorious for withholding compensation if at all possible. For this reason, seeking representation from an experienced attorney in Lebanon MO may be the most advantageous option. Our central Missouri auto accident attorneys have a great deal of experience with car accidents of all forms, and we would be honored to help you fight for the compensation you deserve.

Visit our website to learn more about our car accident representation at the Lake of the Ozarks and surrounding areas.

Contact Deputy & Mizell, LLC

Representing Clients Across the Lake of the Ozarks Region



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