If you are in an automobile accident and the person at fault does not have auto insurance coverage, a claim must be filed with your auto insurance carrier for uninsured motorist coverage. Insurance companies are cheap and we sue them regularly when they refuse to pay a fair amount, which is nearly always. After we file your lawsuit your uninsured motorist insurer will need to be served a summons. Let’s talk about how to file an uninsured motorist claim.

Who Do You Serve

So how do you know who to serve? Insurance is a highly regulated industry in Missouri, so in order for insurance companies to do business they must be registered with The Missouri Secretary of State. The Department of Insurance is overseen by the Secretary of State, and the government acts as a gatekeeper for the sale of insurance. Insurance companies must allow the director of insurance to accept service on their behalf.

How to file an uninsured motorist claim.

This is to protect Missouri citizens from out-of-state insurance companies. For example: If a Missouri citizen is injured and a foreign insurance company extends coverage to that injury, all the Missouri citizen has to do is serve the Missouri Secretary of State Department of Insurance as opposed to tracking down the out-of-state insurance company to make a claim.


We hope that the above post and the below video will answer any questions about how to file an uninsured motorist claim. If not please contact Cantor Injury Law today.

Contact us at (314) 485-4005 to schedule a free consultation with our team.