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What Happens if I Get Hit by an Uninsured Driver?
Typically, a negligent driver's insurer will pay for the medical expenses and property damage related to a traffic accident. When an uninsured or underinsured driver causes an accident, car accident victims must seek uninsured motorist coverage from their own insurers.
The attorneys at the Independence, Missouri, law firm of Humphrey, Farrington & McClain, P.C., specialize in complex personal injury litigation. Our attorneys represent car accident victims with serious injuries and can help individuals get the insurance coverage they are contractually owed.
Our consultations are free and we work on a contingency basis. To speak with one of our attorneys, call 888-353-0491 or contact us online.
Underinsured Missouri Drivers
Missouri law mandates that drivers carry a minimum amount of insurance. All drivers in Missouri must carry at least the following levels of car accident coverage:
- $25,000 per person for physical injury
- $50,000 per traffic accident for physical injuries
- $10,000 per crash for property damage
A serious car accident can easily result in medical and property expenses beyond these minimum coverage levels. Any additional funds typically come from a driver's underinsured motorist coverage.
Uninsured Motorist Coverage
Many drivers allow their insurance to lapse and therefore drive wholly uninsured. These individuals typically do not have the financial resources to pay for the damages arising out of an accident, so a Missouri motorist must rely on his or her uninsured motorist coverage.
Missouri law requires a minimum of $25,000 in uninsured motorist coverage per person for physical injuries and $50,000 for physical injuries per accident.
Kansas City Car Accident Insurance Attorneys
The experienced car accident attorneys at Humphrey, Farrington & McClain, P.C., are knowledgeable about the intricacies of insurance law and can help Kansas City car accident victims obtain the uninsured motorist coverage they are entitled to. Insurers will often attempt to coerce car accident victims into signing early waivers or accepting lowball estimates.
If you have been seriously injured in a car accident, speak with one of our attorneys before signing any waivers from your insurers. Contact us online or call 888-353-0491 to arrange a free initial consultation.
More Information About Car Accidents:
• Car Accident Information Overview
• Frequently Asked Questions About Motor Vehicle Accidents
• Auto Accident Injuries and Compensation
• Car Accident Insurance Claims Dos and Don'ts
• Uninsured and Underinsured Motorists
• No-Fault Insurance
• What to Do if You Are in a Car Accident