Many consumers don’t know that their car is underinsured. Most folks believe that the state minimum coverage is enough. But that minimum coverage leaves most people without the coverage they need. Some situations to be aware of:
Personal Injury Protection/Med Pay
Personal Injury Protection (PIP) and Med Pay coverages will pay your medical bills no matter what the cause of a car wreck. PIP applies to every Kansas insurance policy and will pay at least the first $4,500.00 of your medical bills. Med Pay does the same thing in Missouri, but most people don’t know that it’s optional. You only have Med Pay coverage is you ask for it. You can purchase additional PIP and Med Pay protection at relatively low cost. Often for only a few dollars a month, you can rest assured that more of your bills and deductibles will be paid quickly if you are in a car wreck.
These coverages protect you and your family if you are hit by a driver who has little or no insurance. According to insurance company reports, nearly 15% of all drivers have no car insurance. Even if they do, they are only required to have $25,000.00 in liability coverage. If you are seriously injured in a wreck, $25,000.00 PROVIDES NO MEANINGFUL PROTECTION – your emergency room bill alone could be more than $10,000.00.
Your uninsured motorist coverage will pay for your medical bills, lost wages and other harms and losses if you are hit by a driver with no insurance. Under-insured motorist coverage pays if you are hit by a driver that doesn’t have enough insurance. The higher your limit, the more you can recover if you are seriously injured. Like PIP and Med Pay, increasing these limits is very affordable. If we had any advice for motorists, it would be to maximize your uninsured and under-insured coverages.
Uninsured motorist coverage is required in both Kansas and Missouri. Under-insured motorist coverage is required in Kansas, but it is optional in Missouri. We work with many, many Missouri residents who could greatly benefit from this coverage, but have never heard of it.
It is very common for folks to buy rental coverage that is very limited in scope. Make sure to see if you can purchase coverage that will allow you to rent a vehicle comparable to the one that you drive. Often the amount available will only pay a fraction of the cheapest rental, for a short period of time.
The Kansas City personal injury attorneys at Smith Coonrod Mohlman LLC, fight bullies. We represent people who have been injured in car/truck/motorcycle wrecks against the corporate and insurance bullies that fight to deny these claims. We are also happy to review your insurance policy with you at no charge to ensure you have the maximum protection available. We have no affiliation with any insurance companies and simply make this offer as a public service. Attorneys Mike Mohlman and Rachel Smith are not only advocates for their clients but are committed to contributing to our community. In addition to fighting for our clients, the firm has started the Smith Coonrod Mohlman Kids Foundation to stop bullying and to promote the safety of the children in our community.