Were you recently involved in a car accident with an uninsured driver in Kansas City, Missouri? Don’t let the fact that they’re uninsured stop you from pursuing the compensation you need and deserve. Contact Brown & Crouppen and let our experienced Kansas City uninsured driver lawyers help you fight to make things right.

Since 1979, Brown & Crouppen has been a trusted ally for crash victims and grieving families in Kansas City and across the midwest. Collectively, our award-winning trial attorneys have decades of experience and have secured over $1 billion in meaningful financial recoveries on behalf of clients who have sustained serious injuries.

You shouldn’t have to bear the burden of your car accident on your own. Let our personal injury law firm provide you with the sound legal advice you’ll need to pursue a car accident claim. We offer a free consultation and are available to take your call now.

What options do I have if I’m in an accident with an uninsured driver in Kansas City, Missouri?

Missouri ranks 12th in the nation when it comes to uninsured drivers. According to the Insurance Information Institute (III), about 16.4 percent of drivers in Missouri were uninsured in 2019. With 4,274,389 registered drivers in the state, this means that roughly 700,000 motorists are driving around without insurance.

So what can you do when you are involved in an uninsured motorist accident? The good news is that you may have a few options available to you:

  • Submit a claim to your insurance company for benefits through your Uninsured Motorist (UM) coverage.
  • File a claim with a liable third party’s insurance company.
  • File a personal injury lawsuit against the uninsured driver and/or another negligent party.

Our personal injury attorneys in Kansas City can help you identify all of your legal options and pursue maximum compensation.

How can a Kansas City car accident lawyer help if I’ve been hit by an uninsured driver?

Car accidents can be complicated enough when everyone is covered by insurance. Things can become even more challenging when a negligent driver is uninsured. 

Fortunately, you don’t have to handle the fallout of your crash on your own. Our Kansas City car accident lawyers will be there to guide you through the claims process and work to secure a meaningful financial recovery while you focus on getting better. We will:

  • Investigate the circumstances of your crash to determine how it happened and who’s at fault
  • Identify who, other than the uninsured driver, might be liable for your injuries
  • Identify all potential options for financial recovery
  • Prepare and submit the necessary documents to initiate the legal claims process
  • Defend against claims that you share fault or contributed to your car accident
  • Handle negotiations with insurance companies and at-fault parties
  • Represent you at trial if you aren’t offered a fair settlement offer

Our law firm represents clients on contingency, so there’s never an upfront cost to you. In fact, we only get paid if we help you recover compensation after your accident with the uninsured driver.

What’s the difference between an uninsured driver and an underinsured driver?

Under Missouri state law, motorists must purchase minimum amounts of car insurance before they can register a vehicle and drive. 

A driver is uninsured when they don’t have a valid car insurance policy. 

A driver is underinsured when they have car insurance, but their policy limits aren’t enough to satisfy the total costs of your crash-related damages.

This can pose a serious problem after a car crash since Missouri is an at-fault state. The at-fault driver’s insurance company is primarily responsible for damages.

What is uninsured motorist coverage?

Uninsured motorist (UM) is a type of car insurance that kicks in when you are involved in an accident with the owner or operator of an uninsured vehicle. It covers the costs of bodily injury, sickness or disease, or death related to the accident. 

In many states, uninsured motorist insurance is discretionary, which means that motorists have the right to decline this type of insurance coverage. However, in Missouri, you’re legally required to have this coverage on your auto insurance policy.

You must carry:

  • $25,000 per person in bodily injury coverage
  • $50,000 per accident in bodily injury coverage
  • $25,000 per accident in property damage coverage

Uninsured motorist coverage protects you, your family members, and passengers in your vehicle at the time of all types of auto accidents:

Uninsured motorist benefits can also apply if you’re hit by an uninsured driver as a pedestrian, bicyclist, or bystander.

Uninsured motorist coverage will provide benefits for your medical bills, lost wages, pain and suffering, and other damages related to your injuries. 

Who other than the uninsured driver might be liable for my car accident injuries?

The uninsured driver might not be entirely responsible for your car accident. Under Missouri state law, you have the right to pursue damages from anyone who directly or indirectly contributed to your wreck.

Depending on the specific circumstances of your car accident, liable parties might include:

  • Other negligent motorists
  • Bicyclists
  • Pedestrians
  • Employers of at-fault parties
  • Vehicle manufacturers
  • Property owners
  • Government agencies

Our uninsured car accident attorneys in Kansas City will carefully investigate your crash to determine how it happened, why, and who played a part. In addition to benefits through your own uninsured motorist coverage, we can actively pursue compensation from all responsible parties. This will help ensure that you are awarded all of the compensation you’ll need to get back on your feet after your car accident in Kansas City.

What compensation can I recover after a car accident with an uninsured motorist?

In Missouri, commonly awarded damages in uninsured car accident cases include:

  • Present and future medical expenses
  • Loss of income and wages
  • Reduced earning capacity
  • Disability
  • Nursing assistance
  • Pain and suffering
  • Reduced quality of life
  • Loss of consortium

Punitive damages can also be sought in a car accident lawsuit if the uninsured motorist (or another negligent party) acted intentionally or with gross negligence.

At Brown & Crouppen, our uninsured driver attorneys in Kansas City will actively seek all available compensation available to you under the law. If your damages exceed your uninsured motorist coverage limits, we won’t hesitate to file a lawsuit to hold the uninsured driver personally responsible for your costs and suffering. 

How long do I have to seek compensation?

It depends on the type of claim you decide to file after your accident with the uninsured driver.

Under Missouri state law, you’ll have up to 10 years to submit a first-party uninsured motorist claim with your insurance company.

If you file a personal injury claim or third-party insurance claim, the statute of limitations is just five years.

You do not want to let the deadline that applies to your case expire. Once it does, you give up the opportunity to assert your rights. So schedule your free case evaluation as soon as possible to demand the compensation you need and deserve.

Contact Our Kansas City Uninsured Driver Lawyers for Help Today

Don’t let another driver’s lack of insurance scare you away from fighting for compensation. You have options, and our Kansas City uninsured driver lawyers can help you achieve maximum results in your car accident case.

We’ll help you exhaust the benefits under your uninsured motorist coverage and, if necessary, pursue damages in a civil personal injury lawsuit so that you’re not left with the financial burden of a Kansas City car accident you didn’t cause.

Contact our legal team to learn more. We are always available to take your call at our law office in Kansas City, Missouri.

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