Kansas City Uninsured Driver Accident Lawyers

All registered car owners and drivers in Missouri are required to have the following minimum liability insurance coverage (insurance that pays for the injuries the driver of the car causes):

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property

The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Drivers who do not have the required minimum insurance may lose their driving privileges. They will personally be responsible for any damages they cause.

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

Liability coverage

• $25,000/person for bodily injury
• $50,000/accident for bodily injury
• $25,000/accident for property damage

Personal injury protection (PIP or No-Fault)

• Minimum amount required by law:
• $4,500/person for medical expenses
• $900/month for one year for disability/loss of income
• $25/day for in-home services
• $2,000 for funeral, burial, or cremation expenses
• $4,500 for rehabilitation expense
• Survivor Benefits: Disability/loss of income up to $900/month for one year
• In-home services up to $25/day for one year

Uninsured/Underinsured

• $25,000/person
• $50,000/accident

Bodily injury coverage pays for the car accident victim’s medical bills, including surgeries, doctor visits, and rehabilitation. It also pays wrongful death damages. Property damage coverage generally pays for the cost to fix the other driver’s car or pays the cash value of that car.

Generally, you should buy as much car accident insurance as you can afford. Just one night in a hospital can cost tens of thousands of dollars. Victims who have catastrophic injuries such as brain trauma or spinal cord damage, permanent injuries, or injuries that require extensive treatment often have cases worth hundreds of thousands or even millions of dollars.

In a Kansas accident, Personal Injury Protection (PIP) insurance pays the medical expenses, funeral bills, lost wages, and the cost of in-home care for the owner of the vehicle and any passengers in the vehicle who are injured. In Missouri, you can obtain Med Pay coverage, but it is optional. In Kansas, PIP insurance is mandatory up to preset amounts. There is no need to prove fault to obtain PIP benefits. PIP benefits are usually paid at the start to help ensure victims are receiving medical help and lost pay while they tend to their injuries.

Owners of trucks, Lyft and Uber operators, and other vehicle operators also have specific liability insurance requirements they must meet.