Uninsured and underinsured motorist coverage is an important part of your car or motorcycle insurance. This part of your insurance is there to help you if you have an accident with someone who doesn't have any insurance or doesn't have enough to cover the costs. Many drivers across Kansas and the nation drive without insurance and are uninsured motorists.

When you have an accident with another driver that has no insurance, they are called an uninsured motorist or uninsured driver. When the other driver has less insurance than your liability limits of insurance, they are called an underinsured motorists or underinsured driver.

Suppose you have an accident, and the other driver is at fault but has no insurance. In that case, your uninsured motorist coverage will help you with your costs, such as medical bills or lost wages. In fact, in many of our car accident cases we get more money for our clients from their own insurance than from the driver who caused the accident.

These coverages are like a safety net. They are designed to protect you from the financial stress that can come after an accident. Whether it's medical bills, lost wages, or other costs, your uninsured and underinsured motorist coverage can help you get money to pay for these expenses.

Remember, when the other driver doesn't have enough insurance, you can make a claim with your own insurance company. They will use your uninsured or underinsured coverage to help with the costs. That's why it's essential to have this type of coverage. As experienced uninsured accident lawyers, we always recommend everyone carry no less than $250,000.00 of uninsured and underinsured motorist coverage regardless of state law requirements.

Uninsured and underinsured motorist coverage are like your own personal safety nets when you're in a car or motorcycle accident. They step in to help you pay for many different kinds of costs if the other driver is at fault and doesn't have insurance or doesn't have enough.

Here's what they can help with:

• Medical bills: If you're hurt and need to see a doctor or go to the hospital, these coverages help pay those bills whether recent or needed in the future.
• Lost wages: If you're too hurt to work, this coverage helps replace the money you would have made and if you cannot work into the future, it can pay you for that too.
• Mental anguish, disability, disfigurement, and loss of enjoyment of life: Accidents can affect more than just your physical health. If you're having a tough time because of the accident, this coverage can supply financial support to help you get through your recovery and the rest of your life.
• Pain and suffering: If you're in pain or suffering because of the accident, this coverage can help ease the burden.
• Death and funeral bills: If the worst happens, this coverage can help with the costs of a funeral and other expenses related to death including help family members have money to live on once they lose a working parent.
• Other losses: This can include things that your spouse or family might suffer because of the accident.

This kind of coverage is important to have. You should always assume the bad drivers have minimum or no insurance so that you can buy higher UM and UIM coverage to protect your family.

UM and UIM Coverage: Securing Your Peace of Mind

Understanding your coverage is crucial. Not all states require this type of coverage, but it's often wise to have it anyway. In Kansas, both uninsured and underinsured motorist coverage is needed, ensuring that you, your family, and passengers in your vehicle are protected in case of an accident.

For full protection, it's best to have different types of coverage included in your policy. Some essential ones are property damage coverage, liability insurance coverage, uninsured motorist coverage, underinsured motorist coverage, and medical payment coverage. These can be your safety net when accidents occur. Many drivers drive without any insurance coverage or with the very minimum levels of insurance. Always ask your agent to buy higher levels of insurance coverage.

If you're seriously injured in a hit-and-run accident and don't have uninsured or underinsured motorist coverage, you could be in a tough spot. We always recommend that you buy at least $250,000 per person of liability, uninsured and underinsured insurance coverage, and higher is always better. Many of our clients carry one million dollars of liability and uninsured and underinsured motorist coverage so when the bad driver has no insurance you can be fully compensated by your own insurance carrier.

In Kansas, Missouri and most states, the law requires liability coverage if you cause an accident and injure someone else or destroy their vehicle. Unfortunately, there are individuals who choose to ignore these laws or simply cannot afford to buy car insurance and they drive with absolutely no car insurance.

If this happens, you only have your own car insurance to turn to. The experienced uninsured accident lawyers at Bull Attorneys® are uniquely qualified to help injured drivers sue insurance companies for uninsured and underinsured motorist insurance benefits.

We have a deep understanding of such cases, backed by years of hands-on experience. We will help you get the most insurance money possible given your injuries and the amount of insurance coverage available to you and the other driver.

An accident can be a highly stressful event, even more so when the other party does not carry car insurance, which unfortunately appears to be at least 20 percent of the time. We help you get medical treatment, payment for your lost income, and get back on your feet rapidly after a car accident with an uninsured driver.

Reach out to Bull Attorneys®, we can help in guiding you every step of the way after an accident with an uninsured driver. You can call 24 hours a day, even on weekends, at night and on all holidays for a free consultation.