Section 6.27 Persons Insured

• Library: Insurance Practice 2015

UIM coverage is optional coverage, and the courts have held that insurance agents have no general duty to advise potential customers of the coverage that may be available to them. Farmers Ins. Co. v. McCarthy, 871 S.W.2d 82 (Mo. App. E.D. 1994). But because agents are customarily paid on a commission basis, it...