What You Should Know About Uninsured/Underinsured Motorist Coverage

Both Missouri and Kansas, like other states, require drivers to carry auto insurance. In theory, everyone you encounter on the road should be covered. In reality, however, that's not the case. If you've been in an accident, you may come to find that the other driver didn't have insurance — or enough insurance.

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 2012.

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? You shouldn't have to pay the price for their poor decision. If you're the victim of a hit-and-run accident, you're essentially in the same situation. You shouldn't have to shoulder responsibility for the financial consequences of someone else's mistake.

Fortunately, you may be able to file a claim under your own insurance policy — specifically, the uninsured/underinsured motorist (UM/UIM) provision. In both Kansas and Missouri, all auto insurance policies must include this coverage up to certain minimum limits.

Learn more about auto insurance and how it affects your rights.

Protect Your Rights By Enlisting Our Help

It's not always easy to get the full compensation you deserve under your UM/UIM coverage. Ultimately, the insurance company is not on your side. That's why it's so important to involve an attorney — one who understands this complex area of law.

At Peddicord & Townsend LLC in Kansas City, we handle injury claims for car accident victims in both 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).

For help with any aspect of your car accident claim, contact the attorneys at Peddicord & Townsend LLC by calling 816-945-9337. We offer free consultations and contingency fee representation.

The choice of a lawyer is an important decision and should not be based solely upon advertisements.