Under-insured Car Accident Claim Attorneys

Serving Kansas City, Independence, Blue Springs & Lee’s Summit

If you have been injured by a driver without auto insurance, a claim for injury compensation against your own auto insurance coverage is available through your Uninsured Motorist coverage in your auto policy.

Making a claim under your Uninsured Motorist coverage will not raise your premium rates because the accident was not your fault. In effect, your own insurance company becomes the at fault driver’s insurance company. Before talking to the adjuster about your claim it is best that you have legal consultation in order that all aspects of your case can be discussed, including:

  1. Vehicle repair claims
  2. Total loss claims
  3. Economic injury insurance compensation, including past, present & future medical expense, lost income, and other damages
  4. Non-economic insurance compensation, including past, present, & future pain, suffering, discomfort, disability, distress, and other damages that interfere with the quality of your life

Ordinarily, after a fair and full settlement is obtained in the case, your insurance company will bring a claim against the driver at fault in order to seek reimbursement for the insurance paid to cover your claims.

Under-Insured Drivers

In the event the case value or your claim exceeds the amount of insurance coverage of the driver at fault, and you make an authorized policy limit settlement against the driver at fault, you may be able to make claim against your own auto insurance coverage provided you have purchased Under-Insured Motorist coverage.

The laws that pertain to Under-Insured Motorist coverage are highly complex and legal consultation is very important prior to making an insurance settlement. Thus, if an insurance company for a driver at fault has made a settlement offer claiming that the settlement represents the full amount of coverage available, consult with Horn Law as soon as possible.