Do I Need To Contact My Own Insurance Company After a Car Accident in Wichita, KS?

Scene of a car accident on the road

The aftermath of a car accident can be confusing and traumatizing for the victims. Knowing how to respond can give you peace of mind.

If you are involved in a Wichita accident, you must contact your insurance provider. Kansas is one of a handful of no-fault auto insurance states in the U.S. In a no-fault state, motorists typically must turn to their own insurance to get compensation for their financial losses. This coverage is known as personal injury protection (PIP) coverage.

Kansas state law requires motorists to carry a PIP policy that covers a minimum of:

    • $4,500 per person in medical costs
    • $4,500 for rehabilitative care
    • $900 per month for one year of lost wages
    • $2,000 in funeral and burial expenses
    • $25 per day for in-home services

    However, you could quickly exceed your PIP policy limits if you are seriously injured in a car accident. In some auto accidents cases, you can step outside the state’s no-fault insurance system and file a third-party insurance claim or personal injury lawsuit directly against the at-fault party. You may file a car accident lawsuit if your medical costs exceed your total PIP coverage after a serious personal injury.

    Why hiring Wichita car accident lawyers will help

    • Studies show that car accident victims who hire a car accident lawyer receive 30%-40% more in their recovery, than individuals who decide to do it on their own.
    • The insurance companies goal is to give you the least amount of money possible. The Wichita Lawyers at Mann Wyatt Tanksley Injury Attorneys will fight for your rights and get you the justice you deserve.
    • The bottom line is, if we take on your car accident case, it’s because we believe we could get you a much better result than you would on your own.

    How much do we cost?

    ❌ There’s no hourly fee, like most car accident lawyers charge.

    ❌ There’s no upfront retainer, unlike what you’d pay at most law firms.

    ✅ You don’t have to pay us anything unless we actually win in the case.

    Which means we’re willing to take the risk that we recover nothing if you recover nothing.

    See if our car accident lawyers in Wichita can help you

    That’s one of our biggest perks at Mann Wyatt Tanksley, free consultations.

    You’ll speak to the lead of our Client Care, Ally Perez. She’s awesome! Get ready to experience a virtual hug from this kind hearted woman. She’ll ask you some basic information about your car accident claim and see if she can get you in the right direction for a free consultation.

    Give us a call today at 1 (877) 388-8555 to speak with our personal injury lawyers or fill out this form for your free consultation.

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What If the Other Driver Doesn’t Have Insurance?

If you were hurt in an accident caused by an uninsured or hit-and-run driver in Wichita, obtaining compensation from them can be next to impossible. Fortunately, there are still options available to you. Kansas requires all motorists to carry a minimum of $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.

Instead of taking legal action against the at-fault party for a serious injury, you would file a claim using your UI/UIM coverage. The minimum UI/UIM coverage is much higher than the minimum PIP coverage required by the state and should cover a significant portion of your expenses. Additionally, you can always purchase more coverage to increase your policy limits.

The Insurance Information Institute (III) estimates that over 10 percent of all drivers in Kansas are uninsured. Having this type of coverage can be a lifesaver if you are injured in a crash with an uninsured or underinsured motorist.

Can I File a Lawsuit After A Wichita Auto Accident?

Wichita personal injury attorney, Jesse Tanksley working on an accident caseThanks to Kansas auto insurance laws, you can bring a lawsuit after a car accident if someone else’s negligence caused the crash, your medical costs go beyond your PIP policy limits, and you suffered a serious injury.

Through a personal injury lawsuit, you could obtain additional compensation from the at-fault driver that is not available under your PIP plan. This compensation could be for non-financial damages, such as pain and suffering, emotional distress, and post-traumatic stress disorder (PTSD).

However, bringing a lawsuit can be challenging, especially if you don’t have a strong knowledge of personal injury law. To secure compensation through a lawsuit, you will have to prove that the other motorist was negligent in some way that led to the accident.

There are a few steps involved in establishing negligence after a Wichita car accident:

  • Duty — You’ll need to prove that the at-fault motorist had a duty to operate their vehicle safely and prevent you from being harmed.
  • Breach — You must show that the motorist failed to fulfill this responsibility through negligence. For example, if the motorist was texting and not devoting their full attention to driving at the time of the accident, that would be considered negligent.
  • Causation — You need to demonstrate that the driver’s negligent actions led to the crash and your injuries. Your attorney might be able to use traffic camera footage to show that the driver was distracted by their phone, which directly contributed to the collision.
  • Damages The final component involved in establishing fault is demonstrating that you suffered compensable losses because of the crash. These losses could include medical expenses, lost income, pain and suffering, and loss of quality of life.

Contact a Car Accident Lawyer in Wichita, KS Today

If you were injured in a car accident in Wichita, you shouldn’t have to pay for someone else’s negligence. You deserve to be represented by a trusted legal team whose goal is securing the best possible outcome for you. Contact a Wichita car accident attorney at Mann Wyatt Tanksley Injury Attorneys today for a free case assessment.