As personal injury attorneys at Foster Wallace, LLC, we are frequently asked about various scenarios relating to car accidents. A common question is: “what happens if the person at fault in an accident has no insurance?” Navigating the aftermath of an accident can be stressful, but when the at-fault driver is uninsured, it adds an additional layer of complexity. This article aims to help you understand your options in such circumstances.
Understanding Uninsured Motorist Coverage
While all motorists in both Kansas and Missouri are legally required to carry auto insurance, some drivers are driving around uninsured or let their insurance policy lapse by not paying their premiums. Luckily, both Kansas and Missouri law requires insurance companies to offer uninsured motorist coverage as part of their policies. This type of coverage protects you if you are involved in an accident with an at-fault driver who does not have insurance. Uninsured motorist coverage typically compensates for bodily injury, including medical expenses, lost wages, and pain and suffering. However, it generally does not cover property damage.
Making a Claim on Your Uninsured Motorist Coverage
In the event of an accident with an uninsured driver, you will need to make a claim with your own insurance company under your uninsured motorist coverage. While this seems straightforward, these types of claims can be complex, and insurance companies often try to minimize payouts. Having an experienced personal injury attorney on your side can be invaluable in these situations.
Suing the Uninsured Driver
Another option is to sue the uninsured driver for damages. However, this route can be challenging and may not always yield the expected results. Many uninsured drivers lack the financial resources to pay for the damages they have caused, making it difficult for them to receive adequate compensation.
How a Car Accident Attorney Can Help
At Foster Wallace, LLC, our experienced Kansas City personal injury attorneys can help navigate the complexities of dealing with an accident involving an uninsured driver. We'll review your insurance policy, guide you through the claim process, and fight on your behalf to ensure you receive the compensation you deserve.
We understand that every situation is unique, and we'll work tirelessly to ensure that your interests are protected, whether it's negotiating with insurance companies, litigating in court, or exploring other avenues for compensation.
While the prospect of an accident with an uninsured motorist is daunting, it is crucial to remember that you have options. Your own uninsured motorist coverage is typically the first line of defense, and a personal injury attorney can be instrumental in helping you navigate the process.