With all of these factors out of the driver’s control, the best way to prepare for an accident is to prepare for the financial fallout that is likely to accompany an accident by purchasing uninsured / underinsured motorist coverage.
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Uninsured Motorist Insurance
Unfortunately, not all drivers will follow the law and carry the active insurance that they are required to have. Uninsured motorist coverage is designed to help protect you in the event that you are involved in an accident with a driver who fails to keep their insurance active.
Kansas is a “no-fault” state which can be a misleading term. In Kansas, your medical bills areinitially covered by your own car insurance, in a provision called personal injury protection or PIP. Learn more here about how PIP coverage works in Kansas.
Whether or not it was the victims fault or that of the driver, the lack of being able to identify the aggressor or associate a face leaves many families at a standstill in their grieving process. Along with shock, anger and questions can emerge especially if a fatality is involved leaving many people asking the question why they left in the first place.
Even though the state of Alabama requires all driver’s to be covered by insurance, this is not always the case. If you are in a car wreck and the other driver does not have insurance, you might need these helpful tips to make sure you get coverage for your injuries and damages.
Typically, when handling a bodily injury claim for personal injuries sustained in an automobile collision or premises liability claim, there is more than one avenue for recovery. Liability insurance is the insurance coverage afforded by the other driver; the driver that caused the collision (i.e. “third party”). Underinsured/Uninsured motorist coverage is insurance coverage afforded byyour insurance (i.e. “first party”). In a collision where injuries are sustained, the liability insurance is initially responsible for injuries sustained in the collision.