Injured In An Accident With An Uninsured/Underinsured Motorist? Our Car Accident Attorney Can Help

Being involved in a car accident is stressful enough, but discovering that the other driver is uninsured or underinsured adds another layer of complexity to an already difficult situation. Suppose you’re in the Kansas City Metro area, including Overland Park, KS, Kansas City, MO, Liberty, and Blue Springs. In that case, it’s crucial to understand how uninsured and underinsured motorist coverage works in Kansas and Missouri. GroverLawKC, centrally located in Overland Park, KS, specializes in assisting individuals navigate these challenging scenarios with expert legal guidance.

Uninsured and Underinsured Motorist Coverage Explained

In Kansas and Missouri, both states require drivers to have auto insurance, which includes specific coverage for incidents involving uninsured (UM) and underinsured (UIM) motorists. This coverage is designed to protect you if you’re in an accident where the other driver is at fault and either doesn’t have insurance (uninsured) or has insufficient insurance to cover your damages (underinsured).

Uninsured Motorist Coverage (UM)

UM coverage covers your medical expenses, lost wages, and other damages when the at-fault driver has no insurance. It can also cover property damage in some cases, although this can vary by policy.

Underinsured Motorist Coverage (UIM)

UIM coverage is utilized when the at-fault driver’s insurance limits are too low to cover all your damages. It fills the gap between what the at-fault driver’s insurance will pay and the total cost of your injuries and damages.

The Importance of Knowing Their Insurance Information

Knowing the insurance status of all parties involved in an accident is crucial for several reasons:

• Immediate Medical Care: You can seek immediate medical attention without worrying about who will cover the costs.
• Claim Processing: It speeds up the claim processing time by identifying the appropriate insurance policies to target.
• Legal Protection: It provides essential information for your attorney to build a strong case for compensation on your behalf.

Understanding the other driver’s insurance coverage allows you to make informed decisions about how to proceed with your claim, whether through your own insurance company or by pursuing legal action.

Why You Should Check Your Insurance Coverage

Regularly reviewing your insurance policy is as important as knowing the other driver’s insurance status. Many drivers are unaware of their coverage details until they need to file a claim. Ensuring adequate uninsured and underinsured motorist coverage is crucial for protecting yourself and your family in an accident with an uninsured or underinsured driver.

The laws surrounding auto insurance and accident claims can be complex in both Kansas and Missouri. GroverLawKC strongly encourages drivers to familiarize themselves with their insurance policies and seek legal advice if they are involved in an accident with an uninsured or underinsured motorist.

How The GroverLawKC Can Help

If you find yourself in an unfortunate situation in the Kansas City Metro area, GroverLawKC is here to help. With a deep understanding of the intricacies of insurance laws in Kansas and Missouri, our experienced car accident attorneys can guide you through securing the compensation you deserve. Located in Overland Park, KS, we’re dedicated to serving the community and protecting your rights. 

GroverLawKC is a trusted choice, with a team of personal injury attorneys committed to advocating for your rights and helping you on the path to recovery. Contact us today by calling (913) 914-9745 or filling out our online form for a free consultation, and take the first step towards securing the legal representation you deserve.

GroverLawKC Recognized For Excellence

In 2022 and 2023, Personal Injury Lawyer Mark Grover and the GroverLawKC were voted by Kansas City residents as the best personal injury law firm in KC by Best of KC magazine. 

Additionally, Personal Injury Attorney Mark Grover was a 2023 Super Lawyers selectee.