Both Kansas and Missouri follow a fault-based liability system when it comes to auto accidents. This means that the party responsible for causing the accident is also responsible for compensating the injured party for any damages incurred. While both states require drivers to carry a minimum amount of liability insurance, accidents involving uninsured or underinsured drivers still occur, leaving victims to deal with the financial consequences.

In Kansas, drivers are required to carry at least $25,000 per person and $50,000 per accident for bodily injury liability, as well as $25,000 for property damage liability. In Missouri, the minimum requirements are $25,000 per person and $50,000 per accident for bodily injury liability, and $10,000 for property damage liability. Additionally, both states require drivers to carry uninsured motorist coverage to protect against accidents involving uninsured drivers.

When an uninsured or underinsured driver causes an accident in Kansas City, victims may need to seek compensation through their own insurance policy’s uninsured/underinsured motorist coverage. At Prairie Valley Injury Law, our experienced attorneys understand the nuances of both Kansas and Missouri liability laws and will help you navigate the complex process of pursuing compensation from all available sources.

Uninsured/underinsured motorist (UM/UIM) coverage is an essential aspect of auto insurance policies in both Kansas and Missouri. This coverage is designed to protect you in the event of an accident with a driver who either lacks insurance or carries insufficient coverage to pay for your damages.

In Kansas, drivers are required to have UM coverage with minimum limits of $25,000 per person and $50,000 per accident for bodily injury. Additionally, underinsured motorist (UIM) coverage is optional but highly recommended to provide extra protection in case the at-fault driver’s policy limits are not sufficient to cover your damages.

In Missouri, the minimum UM coverage requirements are also $25,000 per person and $50,000 per accident for bodily injury. However, unlike Kansas, Missouri does not mandate UIM coverage, although it is still a valuable option for drivers seeking additional protection.

When an accident with an uninsured or underinsured driver occurs in Kansas City, your UM/UIM coverage may provide compensation for your medical expenses, lost wages, pain and suffering, and other damages. The experienced attorneys at Prairie Valley Injury Law can help you understand your policy’s coverage and assist you in pursuing the maximum compensation available under both Kansas and Missouri insurance laws.