FAQ: What if the Person Who Hit Me Doesn’t Have Enough Insurance?

Car accidents can cause a multitude of injuries, not to mention the emotional damage that often occurs. Unfortunately, there are times when the driver who hit you doesn’t have insurance. A study by the Insurance Information Institute found that 7.2 percent of Kansas drivers are uninsured. However, even if the at-fault driver is insured, it might not be enough to cover the medical costs for the injuries you sustained.

“In Kansas, the minimum amount of insurance coverage is $25,000,” said Mike Wyatt, personal injury attorney at Mann Wyatt Tanksley Injury Attorneys. “It’s very possible that if you’re in an accident, your medical expenses alone could exceed the other driver’s insurance coverage.”

According to Wyatt, in the event that you’re hit by an uninsured or underinsured driver, your own underinsured coverage would kick in to help you cover your expenses. If you have underinsured coverage that exceeds the amount of the other driver’s coverage, you can make a claim with your carrier once the other driver’s insurance carrier has tendered their policy. Some might feel apprehensive that filing a claim with their own insurance company will increase their rates. Wyatt explains that’s typically not the case.

“As long as you’re not at fault for the accident, you’re merely making a claim under your own policy,” Wyatt said. “And that’s exactly what you pay your premium for.”

More information on uninsured motorist claims: FAQ: What if the person who hit me is uninsured?

Contact a Personal Injury Lawyer Immediately

If you’ve recently suffered a personal injury in a car accident in Kansas, Missouri, Oklahoma or Colorado, contact Mann Wyatt Tanksley Injury Attorneys to set up a free consultation today. With more than 75 years of combined litigation experience, we have helped clients receive the compensation they deserve for:

  • Medical treatment
  • Rehabilitative care
  • Lost wages from time take off work
  • Future lost income for disabling injuries
  • Property damage
  • Pain and suffering
  • Emotional trauma

Request a free consultation with our team of personal injury attorneys or contact us directly at (877) 768-2400.