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Uninsured Motorist Claims in Kansas City

Guidance from Our Kansas City Auto Accident Lawyer

Although the law requires that drivers carry insurance, many are operating their vehicles without any coverage. If you or a loved one has recently been injured by an uninsured driver, you may be very concerned about how to get compensation for the medical costs and other damages.

A car accident caused by an uninsured driver can often lead to great financial hardship for injured victims. It is imperative that you have legal assistance from our Kansas City personal injury attorney at Meyerkord, Russell & Hergott if you are a victim of an uninsured driver.

Underinsured Motorist (UIM) & Uninsured Motorist (UM) Coverage

Underinsured motorist coverage (called "UIM") and uninsured motorist coverage (called "UM") are two types of automobile insurance that every motorist in Missouri should have. They provide protection in motor vehicle accident cases in which the negligent driver doesn't have enough or any insurance.

  • UIM insurance is coverage you can purchase that will pay you for any damages in excess of the negligent driver's insurance coverage. For example, if you are hurt in a car accident and have $50,000.00 in damages, but the negligent driver only has $25,000.00 in insurance coverage, then your own insurance company will pay you the $25,000.00 difference.
  • UM insurance is coverage you have that will pay you for your damages if you are in a car accident caused by someone that doesn't have any insurance (uninsured). So, if you have $50,000.00 in damages, but the negligent driver has $0 insurance coverage, your own insurance company will pay you $50,000.00.

Both types of insurance are very important to have because, despite the fact that Missouri mandates drivers to have at least $25,000.00 in car insurance, most people don't. Many car accidents result in more than $25,000.00 in damage, leaving victims to cover the difference out of their own pockets. UIM and UM insurance will help you recover your damages if the negligent driver is underinsured or uninsured.

How to Get Compensation for Your Losses

Dealing with auto accidents and their injuries is emotionally and physically draining. Most people lack the knowledge required to handle the situation and get a settlement, or know how much is due under the terms of their own insurance policy. No one should have to endure the financial and emotional burden that so often accompanies a tragic car accident.

If you have sustained any injuries from an accident caused by a person who was driving without insurance, it is extremely important that you speak with an attorney as soon as possible. Contacting a Kansas City car accident lawyer early in your case will improve your chances of recovering the maximum due under the terms of your own auto insurance policy or other type of insurance you carry. Our firm understands that your priority should be on pursuing full and fast recovery from your injuries.

Going Above and Beyond in Client Service

We go above and beyond what is expected to ensure that our clients' quality-of-life is as close to what it was before the accident occurred. At our firm, we are committed to providing one-on-one, personalized service to our clients as we believe that their health, both financially and physically, takes precedence over any other matter from the beginning of the claims process through to resolution.

If you believe that your injuries are the result of a negligent, reckless, or aggressive driver who did not have insurance coverage, contact our firm today.

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