If the Driver Who Hit You Isn’t Insured, Let Us Help You Find a Way to Recover
Those of us who purchase and renew our auto insurance as instructed by state law tend to assume everyone else around us is doing the same. However, this is far from the case. A study of American drivers shows that on average, 1 in 8 (13%) are on the road without any auto insurance. Missouri’s uninsured rate is higher than the national average, though only slightly (14%, or around 1 in 7). So, what happens when you are in an accident with a driver who either has neglected to purchase insurance entirely or whose insurance does not fully cover the damages they cause?
This is where uninsured and underinsured motorist coverage kicks in to help. The good news is Missouri requires all drivers to cover uninsured motorist coverage of:
- $25,000/person bodily injury
- $50,000/accident bodily injury
This means if you purchased an auto insurance package that meets or exceeds Missouri’s minimums, you have this coverage. Using it may be another story entirely. Though your insurance is supposed to protect you in an accident, every cent an insurer pays you comes out of their bottom line. This is why we recommend you contact the experienced team at Klenofsky & Steward, LLC before making a claim through your uninsured/underinsured motorist (UM/UIM) coverage. We can help you create a strategy to pursue the compensation you are entitled to.
Call Klenofsky & Steward, LLC at (816) 865-5700or send us a message to schedule a free consultation with our Kansas City attorney. We are here to help people like you after a car accident.
Joe and John are excellent attorneys. It was a difficult case at times, But with their professional experience, they pushed through.K.C.
Experience on Your Side Our injury attorneys are dedicated to your recovery. Call our team today at (816) 865-5700 to schedule your free initial consultation. There is no fee unless we win your case!
When Is Uninsured/Underinsured Motorist Coverage Effective?
Before you make a claim on your UM/UIM coverage, it’s important to understand when and how this insurance can be used.
If You’re Hit by an Uninsured Driver
When you’re in an accident caused by that 1 driver of every 7 who doesn’t have insurance, uninsured motorist coverage is likely the only way you’ll be able to recover your expenses in any significant way. While you may have the option of filing a lawsuit against the uninsured driver, they may not have the financial means to pay the full amount you need.
If You Don’t Know Who Hit You
When you’re injured in a hit-and-run accident, finding the identity of the at-fault driver can be difficult even when you have a law firm helping investigate the case. If you are not able to ascertain the identity of the person who caused the accident, you can call on your uninsured motorist coverage to cover your expenses.
If the At-Fault Driver’s Insurance Isn’t Sufficient to Pay for Your Damages
Hospital bills can add up quickly, and if the at-fault driver is only carrying the state minimum for insurance, serious injuries may cause higher costs than their policy will cover. This is when underinsured motorist coverage can help by covering your remaining damages, so your bank account doesn’t suffer a hit.
After a car accident, many people find themselves arguing against the at-fault party’s insurer, fighting accusations that they hold some responsibility for the accident. What you may not know is this scenario can occur with your insurer as well. No matter how loyal a customer you are, an insurance adjuster may dig for reasons to decrease the amount of your settlement. Though they say the scrutiny of each case is only for “fraud protection,” it often ends up hurting accident victims—people like you—who are dealing with the aftereffects of a serious injury.
Before you make an UM/UIM claim, call our attorneys for help. We can explain your legal rights and help you consider your various options so you can find the best way forward. We’ll also handle negotiations with your insurer, shutting down unfair attempts to reduce your settlement. If your insurer won’t play fair, we are not afraid to file a lawsuit on your behalf.
Our team at Klenofsky & Steward, LLC has been helping accident for years. Call our Kansas City office at (816) 865-5700 to schedule a free consultation today.
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