Yes, car insurance can cover personal injury. Your bodily injury liability insurance covers you if other people are hurt in an auto accident you cause. If you are injured in an auto accident in which someone else is liable and have personal injury protection (PIP) coverage, your insurance may cover your medical bills and other losses.
Talk with a Kansas City car accident lawyer if you get into an auto crash and are unsure of who is responsible. Your attorney reviews traffic camera footage, speaks with accident witnesses, reads a police report, and finds out who is liable. If warranted, they can help you get money for your medical expenses and other losses via an insurance claim or personal injury lawsuit.
Does Car Insurance Cover Personal Injury in Missouri?
Generally, auto insurance in Missouri covers the costs of treating injuries sustained in car crashes. However, whether your car insurance covers your personal injuries depends on the type of coverage you have and the circumstances of your accident.
Missouri is an at–fault state for auto insurance. If you are at fault for an auto collision, your insurer could cover the medical bills and other losses of those involved in the incident. Alternatively, if someone else causes your auto accident, this individual or their insurance company can cover the costs of treating any injuries you suffer and other losses you incur.
Consult with a Kansas City car accident attorney if you get hurt in an auto collision. Your lawyer will provide you with information about the types of car accidents leading to personal injury claims and other topics relating to your case. If someone else is liable for your auto crash, your attorney will help you get money for your losses from this individual or their insurance carrier.
When Does Car Insurance Cover Your Personal Injury Costs?
Your auto insurance will pay for your personal injury costs if you have uninsured motorist, underinsured motorist, or Medical Payments (MedPay) coverage. Below are details about each of these coverages and how they can help you get compensation if you are injured in an auto accident.
Uninsured Motorist
You must have auto insurance coverage if you live in Missouri and drive a car. Unfortunately, some motorists choose not to comply with the minimum motor vehicle insurance level required by state law. If you have uninsured motorist coverage and are involved in an accident caused by a driver who does not have insurance, your insurer may cover your injury costs.
Underinsured Motorist
With underinsured motorist coverage, you are protected financially if a motorist is at fault for your auto accident, but their insurance is not enough for all of your injury costs. In this scenario, your underinsured motorist insurance could give you money on top of what you receive from the liable party. This allows you to get money you can use to care for your injuries fully.
MedPay
Medical Payments coverage is an add-on auto insurance that helps you pay for your medical bills, regardless of who is to blame for your auto collision. Typically, MedPay covers your medical expenses, those of any passengers in your vehicle at the time of your accident, and those of pedestrians involved in the incident.
Even if you have auto insurance for your personal injuries, it may be beneficial to proceed with a personal injury lawsuit against any liable parties. In Missouri, the statute of limitations for most car accident claims is five years. If this window closes, you are responsible for your injury costs and other auto accident losses.
Contact our Kansas city personal injury lawyers now.
How Do You File a Car Insurance Claim for a Personal Injury?
Hire a personal injury lawyer who has extensive auto accident case experience. Your attorney can file a car crash claim with your auto insurance company. Next, your insurer will investigate your accident with the insurance companies of other parties involved in the incident.
If someone else is liable for your auto accident, their insurance company could offer a settlement. Remember, this insurer is likely more interested in its client and its bottom line than anything else. Thus, the business could propose a settlement worth less than what you could receive in compensation if you bring your case in front of a judge or jury.
Let your lawyer negotiate a settlement with an insurance company on your behalf. If you do not get a fair settlement, your attorney will advise you to take your case to trial. At this point, your lawyer argues your case to a judge or jury and explains why a liable party should have to compensate you for your losses.
Get Help with Your Car Accident Case
Following an auto accident, you have no idea whether your car insurance will cover your personal injury costs. Share your concerns and questions with an auto collision lawyer. That way, you can get insights into your legal options.
You can then decide whether you should move forward with an insurance claim or personal injury lawsuit. When that time comes, trust the team at Foster Wallace Personal Injury Lawyers to help you deal with the aftermath of an auto accident.
Our seasoned team has obtained over $1 billion in compensation for car accident victims and others. Allow us to represent you in your auto collision case. To get started, request a case consultation with us.
