Understanding Insurance Issues

Insurance is supposed to be there for you when the worst comes to pass. Yet, if you're like many people, you may find that dealing with insurance is a nightmare of its own. Between all the paperwork, the indecipherable policy language and the countless questions that come up throughout the process, you may feel completely overwhelmed.

At Peddicord & Townsend LLC, we're here to help you navigate these challenging issues. Below, you will find general information about insurance matters. Please contact us for more detailed guidance specific to your situation.

Auto Insurance

If you drive or own a car, you need auto insurance. Without it, you're not only breaking the law, but also making yourself financially vulnerable in the event that you get into an accident.

Auto insurance policies typically provide:

  • Liability coverage in case you get sued for an accident
  • Property coverage for damage to your vehicle (or the other driver's vehicle, if you were at fault)
  • PIP/Med-Pay: In Kansas, personal injury protection (PIP) is automatically included in every policy. It provides medical coverage for your accident-related injuries, regardless of who was at fault. In Missouri, Med-Pay provides essentially the same coverage, but it's optional rather than mandatory.

What Is PIP?

PIP stands for personal insurance protection. In Kansas, it's the portion of your insurance policy that covers your accident-related medical expenses, regardless of who was at fault. Kansas law requires all auto insurance policies to include this provision.

If you have a serious injury that exceeds your PIP limits, you may be able to bring a lawsuit against the parties whose negligence contributed to the accident.

What Is Med-Pay?

Med-Pay is the Missouri equivalent of PIP, but unlike in Kansas, it's optional. There are also subtle technical differences between PIP and Med-Pay. For this reason, if you're in Missouri, it's important to work with an attorney who understands the nuances of Missouri insurance.

What Is UM/UIM Coverage?

This important provision comes into play when you're involved in an accident with an uninsured (or underinsured) driver, or when you're the victim of a hit-and-run. In these situations, instead of being left high and dry, you can pursue a claim under your own insurance policy. Both Kansas and Missouri mandate this coverage in every auto insurance policy.

What About Damage To My Car?

Most accidents result in damage to the vehicles involved. However, many personal injury firms don't get involved in the property damage side of things. We are happy to handle this important aspect of your claim, at no extra charge, as a service to you.

Other Types Of Insurance

Apart from car accidents, many other types of injury cases involve insurance of one form or another. If you slipped and fell because of dangerous conditions on someone else's property, for example, you can seek recovery from their homeowners insurance (or property and casualty insurance, for commercial premises). The same is true for dog bites.

When you're pursuing financial recovery in these situations, it's important to work with an attorney who understands insurance companies. We have a former insurance defense lawyer on our team. This means we have a unique depth of insight into how insurance companies handle claims.

Holding Insurance Companies Accountable

Insurance companies must handle your claim with fairness and integrity. This obligation — the duty of good faith and fair dealing — applies across all types of insurance, from auto to health to homeowners.

If your insurance company has unreasonably delayed or denied your claim, we can help.

Need Help With Any Insurance Issues?

Get a team of legal professionals on your side by calling 816-945-9337 or sending us an email. Based in Kansas City, we handle insurance claims and related personal injury matters for clients in Kansas and Missouri.

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