Thousands of drivers on Kansas City roads are uninsured. When one of them hits you, it may seem like you have no way to recover compensation. But uninsured motorist (UM) coverage — which you may have on your own auto policy — can provide protection. GroverLawKC fights to ensure you receive the full UM benefits you are entitled to.
How Uninsured Motorist Coverage Works
Uninsured motorist (UM) coverage is designed to compensate you when you are injured by a driver who has no liability insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance but not enough to fully compensate your injuries. Both types of coverage are part of your own auto insurance policy and are paid by your own insurer.
Despite being your own insurer, the insurance company handling your UM claim is still your adversary — they want to pay out as little as possible. An experienced attorney levels the playing field.
Uninsured Motorist Claims and Hit and Runs
Uninsured motorist coverage typically applies to hit and run accidents where the at-fault driver is never identified, making them functionally "uninsured" for purposes of your claim. Most UM policies have specific requirements — such as contact with the hit and run vehicle — that vary by policy. Our attorneys review your specific policy language and advise you on how to maximize your recovery.
In Missouri, UM coverage is mandatory for all auto insurance policies. In Kansas, UM coverage is also required. Both states' minimum coverage requirements are relatively low, making additional UM coverage highly advisable.
Fight Your Own Insurance Company
Your own insurance company is not on your side when it comes to UM claims. Call GroverLawKC at (816) 533-3969 for a free consultation. We take on insurance companies — including your own — and charge no fees unless we win.
Ready to Discuss Your Case?
If you or a loved one was injured in Kansas City or Overland Park, contact GroverLawKC today. The consultation is free, and there are no fees unless we win.