Kansas law requires vehicles operated on Kansas state highways have liability coverage of at least $25,000 per person and $50,000 per incident.

AND

Uninsured coverage of at least $25,000 per person and $50,000 per incident

AND

Underinsured coverage of at least $25,000 per person and $50,000 per incident

Uninsured coverage is insurance coverage YOU purchased on YOUR vehicle prior to an accident.  If you were involved in an accident that was NOT your fault and the person who caused the accident did NOT have liability insurance then you would make a claim against your own insurance company for personal injury damages such as medical, rehabilitation, pain and suffering, lost wages and future medical costs and more.

This means that if you were injured while driving your car and another driver who failed to have insurance on his vehicle was at fault you would be able to make a claim against your insurance company for no more than $25,000 in damages.

If there were two people in your vehicle that were injured by the uninsured driver that was at fault your insurance company would pay no more than $50,000 with each person in your car receiving no more than the maximum of $25,000 per person.

If there were three people in your vehicle that were injured by the uninsured driver that was at fault, your insurance company would pay no more than  $25,000 per person and no more than $50,000 to be split between all three injured people in your car.  For example, if 3 people were injured the same amount all 3 of them would receive no more than $16,666.66 even if your injuries were greater than that amount.

This is why you should consider carrying far more insurance coverage than the required minimum of uninsured motorist 25000/50000.

When someone causes an accident and doesn’t have liability insurance your own auto insurance company will process your injury claim and pay you for damages just like you would have received from the responsible party’s liability insurance.  Making a claim against your uninsured motorist insurance doesn’t affect your future premiums like an at-fault accident.

Hospital bills associated with auto accidents can be very costly and it is wise to have adequate uninsured motorist coverage.  Please visit with your auto insurance carrier and make certain you have adequate coverage to protect you and your family.

RS Law understands uninsured motorist insurance and will work with you to make a claim against your own auto uninsured motorist company.