Because Kansas City sits on the border of Kansas and Missouri, Kansas City drivers could have to deal with two different sets of auto insurance requirements in an accident. Missouri drivers are only required to carry liability coverage and uninsured motorist coverage. Kansas drivers are required to have four different coverage options on their insurance: bodily injury liability, property damage liability, uninsured/underinsured motorist protection, and personal injury protection (PIP). While the rest are relatively self-explanatory, PIP is a little less obvious.
“PIP insurance provides benefits for medical expenses and lost wages for you and your passengers in the event of an accident,” said Mike Wyatt, personal injury attorney at Mann, Wyatt & Tanksley Injury Attorneys.
PIP insurance differs from other coverage in that it pays out in the event of an accident, regardless of who is at fault. According to Wyatt, the state-required minimum PIP coverage for medical expenses is $4500, with at least $900 a month to cover lost wages. Additionally, PIP insurance covers a minimum of $2000 for funeral, burial, or cremation expenses.
“If you’re injured in an accident, you’ll have to file a claim to receive the PIP insurance coverage you pay for,” said Wyatt. “But Kansas drivers should use it.”
Contact Kansas City Personal Injury Lawyers Immediately
Personal injuries can come with a litany of physical, mental, and emotional issues. If you’ve sustained a personal injury as the result of a collision with a large commercial truck in the Kansas City area, call the attorneys at Mann, Wyatt & Tanksley today. With more than 75 years of combined litigation experience, they will fight to get you the compensation you deserve for the aftermath of your personal injury, including:
- Medical treatment
- Rehabilitative care
- Lost wages from time take off work
- Future lost income for disabling injuries
- Property damage
- Pain and suffering
- Emotional trauma