Uninsured & Underinsured Motorist Claims (UM/UIM)
Olathe Car Accident Attorney Fighting for Fair Compensation
When a Kansas motorist is injured in a wreck by another driver, they should
be fairly compensated for their injuries, medical bills, lost wages, and
trauma. However, that's just simply not always the case. One of the
biggest obstacles that can arise is when the negligent person responsible
for the accident is underinsured, or not insured at all.
For example, imagine being in a
car accident and incurring $100,000 in medical bills. What if the person who ran into
you had car insurance, but only for $50,000 of coverage? You could be
left with $50,000 in medical bills, without even addressing your other
financial needs. Worse yet, what if the driver did not have any insurance
at all? Yes, you could sue them, but just because you receive a large
sum through a judgement does not guarantee you will actually see any of
the money when you need it most.
That is where uninsured motorist (UM) insurance comes into play, which
holds your own insurance responsible for providing you the protection
you need. An Olathe car accident lawyer can work with your own insurance
company to help you obtain a fair settlement or payout on your vehicle
wreck. Be sure to
contact us as soon as possible to get started on your case.
Let Us Deal with Your Insurance Company On Your Behalf
If you have been injured in a
motorcycle collision and the responsible driver was underinsured, uninsured, or actually left
the scene before they could be identified, you may be in for a fight.
UM insurance can provide you what you are "legally entitled to recover"
in a Kansas lawsuit against the other driver. In such a collision, you
can expect some coverage for:
- Medical bills
- Lost wages
- Repair costs
- Pain and suffering
However, your UM insurance only has to cover up to what their coverage
provides. Additionally, it does not stack with the coverage provided by
the negligent at-fault driver. This all means that you could be left stranded
and struggling with bills, even if you had uninsured motorist coverage.
Need Help in Johnson County? Call 913.232.2518 Today!
In Kansas, all drivers have UM insurance equal to at least $25,000 per
person and $50,000 per accident. This is woefully inadequate in the event
you are in a serious accident. You should strongly consider higher policies
to provide you stronger protection. It should also be noted that Kansas
is a modified comparative fault state. This means they apply the 50% rule
where damages will be reduced, depending on their percentage of fault.
However, if you are determined to be over 50% at-fault you would not be
entitled to recover anything. Determining and assigning fault involves
complex legal and factual issues so it is extremely crucial to obtain
personal injury attorney right away.
No matter the circumstances of your collision, our Olathe car accident
attorneys can find a way to help you pursue justice. We are backed by numerous
client testimonials and years of legal experience. Call our law firm now to schedule your own
free case evaluation.