Insurance Attorney Kansas City | Townsend Law
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Townsend Law LLC 833-869-6529
5440 West 110th Street, Suite 300 Overland Park,, KS66211
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Insurance Attorney in Kansas City

Understanding Insurance Issues

Insurance is supposed to be there for you when the worst comes to pass. Yet, if you’re like many people, you may find that dealing with insurance is a nightmare of its own. Between all the paperwork, the indecipherable policy language, the fear of bad-faith dealings, and the countless questions that come up throughout the process, you may feel completely overwhelmed.

We’re here to help you navigate these challenging issues at Townsend Law, LLC. One of the partners, Mike Townsend, spent five years working for a large insurance defense law firm. There he gained valuable experience in the methods insurance companies use to deny coverage to claimants. Bad faith claims and bad faith insurance can be incredibly stressful to try to combat, and the claim denial that comes as a result often feels devastating.

Our law firm in Kansas City is able to provide legal advice on insurance claims in Missouri and Kansas. Our team has the experience to take on the insurance company to ensure the policyholder has the support they need in their insurance dispute. We are intimately familiar with insurance law and how it pertains to the insurance industry. From health care and automobile insurance to homeowners insurance, life insurance, or other types of insurance, our law office knows your legal rights. We will put our years of experience to work for you and your insurance claims case.

Below, you will find general information about insurance matters. Please contact us for a free consultation so we can offer more detailed guidance specific to your situation.

Auto Insurance

If you drive or own a car, you need auto insurance. Without it, you’re not only breaking the law but also making yourself financially vulnerable if you get into a car accident and don’t have an automobile insurance policy through a reputable insurance company.

Auto insurance policies typically provide the following:

  • Liability coverage in case you get sued for an accident
  • Property coverage for damage to your vehicle (or the other motorist’s vehicle if you were at fault)
  • PIP/Med-Pay: In Kansas, personal injury protection (PIP) is automatically included in every policy. It provides medical coverage for your accident-related injuries, regardless of who was at fault in the motor vehicle accident. In Missouri, Med-Pay provides essentially the same coverage, but it’s optional rather than mandatory.

What is PIP?

PIP stands for personal insurance protection. In Kansas, it’s the portion of your insurance policy that covers your accident-related medical expenses, regardless of who was at fault. Kansas law requires all auto insurance policies to include this provision.

If you have a serious injury that exceeds your PIP limits, you may be able to bring a lawsuit against the parties whose negligence contributed to the accident.

What is Med-Pay?

Med-Pay is the Missouri equivalent of PIP, but unlike Kansas, it’s optional. There are also subtle technical differences between PIP and Med-Pay. For this reason, if you’re in Missouri, working with an attorney who understands the nuances of Missouri insurance is essential.

What Is UM/UIM Coverage?

This critical provision comes into play when you’re involved in an accident with an uninsured (or underinsured) driver or when you’re the victim of a hit-and-run. In these situations, instead of being left high and dry, you can pursue a claim under your own insurance policy. Both Kansas and Missouri mandate this insurance coverage in every auto insurance policy.

What About Damage to My Car?

Most car accidents result in damage to the vehicles involved. However, many personal injury firms don’t get involved in the property damage side of things. We are happy to handle this critical aspect of your claim and work with the automobile insurance, at no extra charge, as a service to you.

Other Types Of Insurance

Apart from car accidents, many other types of injury cases involve insurance in one form or another. Suppose you slipped and fell because of dangerous conditions on someone else’s property, for example. In that case, you can seek recovery from their homeowners insurance (or property and casualty insurance for commercial premises). The same is true for dog bites.

When pursuing financial recovery in these situations, working with an attorney who understands insurance companies is essential. We have a former insurance defense lawyer on our team. This means we have a unique insight into how insurance companies handle claims, how bad faith insurance may look, and how to handle those legal issues. It is one of the many practice areas that we have extensive experience in litigating.

Holding Insurance Companies Accountable

Insurance companies must handle your claim with fairness and integrity. This obligation of good faith and fair dealing applies across all types of insurance, from auto to health to homeowners to life insurance. Ambiguous policy language does not give insurance companies the legal right to unreasonably issue claim denials to their policyholders, and the insurer is responsible for protecting against bad faith claims, slow payments, and more. You need to know your legal rights under the insurance law and how to proceed in an insurance dispute.

If your insurance company has unreasonably delayed or denied your claim, we can help.

Need Help With Any Insurance Issues?

Going against the insurance companies means you may need a law firm that has an insurance attorney with years of experience in insurance disputes and insurance law. Our law firm has a trial attorney who is intimately familiar with the insurance industry and the different types of insurance claims, and the legal rights that policyholders have under insurance law.

Don’t let a claim denial snuff out your hope, and don’t let bad-faith insurance and bad-faith claims cause you to give up.

Get a team of legal professionals on your side by calling 833-869-6529 or sending us an email. Based in Kansas City, we handle insurance claims and related personal injury matters for clients in Kansas and Missouri.

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