October 25, 2013 /24-7PressRelease/
-- Drivers in Missouri and Kansas are legally required to carry liability insurance. If you are at fault in an automobile accident, your automobile liability insurance pays the injured person damages for which you would otherwise be responsible. Absent unusual circumstances, the most your insurance company will have to pay is the amount of liability coverage you purchased. In Missouri and Kansas, the minimum amount of required liability coverage is $25,000 per person and $50,000 per accident for bodily injury.
But what happens to victims when the other driver flees the scene of an accident? Hit and run accidents are all too common, and when police are unable to identify the absconding driver, injured people might wonder where they can turn for compensation. Fortunately, if you have been the victim of a hit and run driver, you may have recourse under your own uninsured motorist
coverage or the uninsured motorist coverage for the vehicle in which you were travelling.
Missouri and Kansas law requires uninsured motorist coverage to cover hit and run crashes
Although many are unaware of it, in addition to liability insurance, Missouri and Kansas law requires motorists to carry uninsured motorist coverage. This coverage is meant to provide payouts to accident victims when the at-fault driver does not carry coverage or does not carry enough insurance to pay for the full costs of the victims' injuries.
However, uninsured motorist coverage is also applicable to hit and run car accidents
. An unidentified driver who flees the scene of an accident is considered an uninsured driver.
If you live in Missouri or Kansas and have liability insurance, you also have uninsured motorist coverage, whether you are aware of it or not. Legally, your uninsured motorist policy also has a minimum coverage limit for bodily injury of $25,000 per person and $50,000 per accident. That means if, while travelling in a motor vehicle, you are injured by a hit and run driver who is not identified, you may be entitled to recover at least $25,000 from your own insurance company and/or the insurance company insuring the vehicle in which you were travelling. This money can be recovered to compensate you for past and future medical bills, pain and suffering, lost wages and permanency. Many drivers even have more than $25,000 in coverage, as this is only the required minimum. So your limit may be higher under the applicable policies.
Call an experienced Kansas or Missouri personal injury attorney to help keep insurers from undervaluing your claim
If you have been injured by a hit and run driver, or if a family member or friend has suffered injury at the hands of a driver who fled the scene, it can be of some comfort to know that there is a resource pool available through an insurance policy.
But, a word of caution is warranted: If you are seeking compensation under your uninsured motorist coverage, you are trying to get money from your own insurer and you may not be treated as kindly as you were when you purchased the policy. Insurance companies are in the business of turning profits, and even if you have been dutifully paying your premiums for years, your insurer may be reluctant to pay your claim, or may try to undervalue your claim.
An experienced personal injury attorney can help you get the full payout you deserve if you have been injured by a hit and run driver. Make sure that you don't come up short after a hit and run accident by calling a Kansas or Missouri personal injury lawyer today.
Article provided by Adler & Manson
Visit us at www.adlerandmanson.com