Both Missouri and Kansas, like other states, require motor vehicle drivers to carry auto insurance. In theory, everyone you encounter on the road should be covered by insurance which should avoid accidents involving uninsured motorists. In reality, however, that’s not the case, and there are a vast amount of uninsured motorist claims. If you’ve been in an accident, you may come to find that the other driver didn’t have insurance — or enough insurance as an underinsured motorist.
This alarming scenario is more common than you might think. According to the Insurance Information Institute, approximately 1 out of 8 drivers nationwide was uninsured in 2015. The policies of insurance companies around insurance coverage for uninsured motorist claims vary widely, and what kind of compensation that is possible varied widely as well. Our law firm has the years of experience to get all the facts and fight for you
So what do you do when you’re injured in a car accident by someone who can’t pay for your medical bills because they are an uninsured motorist? You shouldn’t have to pay the price for their poor decision to not have insurance coverage or to be a negligent driver, causing you bodily injury. If you’re the victim of a hit-and-run accident, you’re essentially in the same situation.
You shouldn’t have to shoulder responsibility for the financial consequences of medical bills, property damage and more, when someone else is the at fault driver. Our car accident attorneys can offer a free case evaluation, and may be able to provide legal advice on how to proceed with an underinsured driver, uninsured driver, or hit and run auto accidents. A car accident lawyer with experience in working with our client’s and the other driver’s insurance companies can be an invaluable resource when facing a car accident involving an uninsured motorist.
Fortunately, you may be able to file a claim under your own insurance policy — specifically, the uninsured/underinsured motorist (UM/UIM) provision. In both Kansas and Missouri, all auto insurance policies must include this coverage up to certain minimum limits. The amounts of possible liability insurance and uninsured motorist coverage will vary with different car insurance carriers, and every insurance policy and insurance company can have unique challenges when you’re faced with filing an uninsured motorist claim.
Learn more about auto insurance and how it affects your rights.
It’s not always easy to get the full compensation you deserve under your UM/UIM coverage. Ultimately, the insurance company is not on your side. That’s why it’s so important to involve an attorney — one who understands this complex area of law. When you’re going up against an insurance company after an accident involving an uninsured motorist, or underinsured motorist, you need a law firm with the years of experience in car accidents, personal injury, insurance law and who understands insurance coverage and the legal rights you have under the law.
At Townsend Law LLC in Kansas City, our law firm can handle injury claims for car accident victims in both Missouri and Kansas. You can benefit from our 20-plus years of combined experience and unwavering dedication to protecting your interests.
What sets us apart? With a former insurance defense lawyer on our team, we’re familiar with the nuances of UM/UIM coverage. We also understand the interplay between this coverage and personal injury protection (in Kansas) and Med-Pay (in Missouri). We create strong attorney-client relationships and provide legal advice that is backed by decades of experience in personal injury law and filing personal injury claims for victims of car accidents, fighting the offender’s insurance and even the car accident victim’s own insurance company.
You can speak with a personal injury attorney with a free initial consultation to review your insurance claim and see if you have a case. The damages from an uninsured motorist accident can go far beyond property damage, leading to long-term medical care with huge medical expenses, as well the toll it takes on your loved ones during this time.
With experience in personal injury law, wrongful death, car accident, truck accident, auto accident and a vast array of other injury law, we are able to litigate nearly any kind of case where you or your loved ones have been injured due to the negligence of someone else.
The choice of a lawyer is an important decision and should not be based solely upon advertisements.