What You Should Know About Uninsured/Underinsured Motorist Coverage
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 some kind of liability coverage, as most states require a minimum amount of insurance coverage, which should avoid motor vehicle accidents involving uninsured motorists. In reality, however, that’s not the case, and many uninsured motorist claims exist. 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. Insurance companies policies regarding insurance coverage for uninsured motorist claims vary widely, and what kind of compensation is possible also varies. Our law firm has years of experience to get all the facts and fight for you in your Kansas City car accident injury claim.
If you need a professional and capable uninsured motorist lawyer in Kansas City when calling Townsend Law, LLC today for a free consultation.
Understanding Your Options
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 not to 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 in the same situation. This is where personal injury lawyers, who have years of experience in accident cases, can provide legal representation and guidance under state law (whether Kansas or Missouri law in the Kansas City metro area) after a car crash.
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 accident. Our legal team’s car accident lawyers, with experience working with our clients and 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. All auto insurance policies in Kansas and Missouri must include this coverage up to certain minimum limits. The possible liability insurance and uninsured motorist coverage amounts will vary with car insurance carriers. There can be unique challenges with every insurance policy and insurance company when you’re faced with filing an uninsured motorist claim.
Learn more about auto insurance and how it affects your rights.
Protect Your Rights By Enlisting Our Help
Getting the full compensation you deserve under your UM/UIM coverage is not always easy. Ultimately, the insurance company is not on your side. That’s why it’s so important to involve an attorney 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 years of experience in car accidents, personal injury, and 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 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 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 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 and 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 laws, we can litigate nearly any kind of case where you or your loved ones have been injured due to the negligence of someone else.
For help with any aspect of your car accident claim, contact the attorneys at Townsend Law, LLC by calling 816-408-6541. We offer free consultations and contingency fee representation.