What If The Other Driver Doesn’t Have Car Insurance In Kansas Or Missouri?

In this article, you can discover…

• How uninsured motorist coverage works in Kansas and Missouri.
• What happens when this coverage doesn’t fully pay for your damages.
• How an experienced attorney can help you file an uninsured motorist claim.

What Does Uninsured Motorist Coverage Include In Missouri Or Kansas?

In Missouri, every single auto insurance policy must include uninsured motorist coverage, offering at least $25,000 of protection. In Kansas, there is no such requirement, and I strongly suggest that all of my Kansas clients have uninsured motorist coverage put on their policy.

In both states, you may file an uninsured motorist policy against your own insurance company when someone either causes an accident and drives off or hits you and does not have coverage.

What Happens If Uninsured Motorist Coverage Doesn’t Fully Pay For My Damages?

In the State of Missouri, there is a resource known as The Missouri Victims’ Compensation Fund, which may allow you to receive compensation for your injuries when uninsured motorist provisions don’t fully cover your medical expenses.

Frankly, few attorneys know how to apply for help from this fund, and this is a lifeline I’m proud to be able to offer to my clients.

In both Missouri and Kansas, if your insurance policy includes “underinsured motorist coverage”, this can help cover any remaining damages. For example, if the person who hit you had $25,000 in insurance and your injuries cost you $50,000, underinsured motorist coverage can make up for that remaining $25,000.

Attorney Darren Fulcher is a committed, respected car accident attorney serving Missouri and Kansas. Since 1998, he’s helped clients just like you navigate uninsured motorist claims, helping them find resources that other attorneys may miss.

Have questions, or in need of legal guidance? Reach out to The Fulcher Law Firm, for an initial consultation today.

Call For A Free Consultation - (816) 203-0005

How Can A Car Accident Attorney Help Me File An Uninsured Motorist Claim?

An uninsured motorist claim is a contractual claim, and most insurance companies have found ways to word and interpret those contracts to avoid having to pay injured parties whenever possible. As an attorney, I understand these tactics and understand where to find legal avenues to help compensate you over and beyond what’s been paid.

For instance, I had a client who had a claim worth $87,000. They were trying to handle their case alone, and their insurance company refused to pay any of it. I got involved and filed a bad faith claim against the insurer, and they wound up paying my client $300,000 because they had violated my client’s rights.

That is why you want to have an attorney. Without experienced legal help, my client wouldn’t have seen a dime.

What Are The Biggest Hurdles When Dealing With Uninsured Motorists?

One of the biggest initial hurdles is proving that an uninsured motorist was uninsured. You must also make sure that, if in Missouri, you have access to that motorist. You can then fill out Form 1140 and send it to the State of Missouri. The State will then determine if the motorist is insured or not and give them 30 days to prove that they have insurance.

If they don’t, the State of Missouri will suspend their driver’s license until your deductible is paid for.

Still Have Questions? Ready To Get Started?

For more information on Kansas and Missouri uninsured motorist laws, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (816) 203-0005 today.