Quote:
Insurers don't like the law because it means if you get hit by an uninsured or underinsured motorist, they have to pay your medical expenses under your own policy and they cannot collect from you unless the other side has more coverage than the damages awarded to you.


Whereas here in Missouri I am required to pay for auto liability insurance on each of my vehicles, even though I can only drive one at a time, and if any bozo that chooses to bounce off of me and then run away doesn't get caught, I get to pay for it all.

This seems bass ackward. Instead of requiring me to insure everyone else, why not require me to insure me?

The same problem still exist, but I should have a lower rate if I don't bounce off anyone in my car, or, very few ever bounce off me and those that have a habit or the recurring misfortune of either should pay more.

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