Underinsured and Uninsured Motorist Claims

Experienced Lawyers Dealing with Insurance Policy Limits in Joplin, MO

The law requires that all vehicles on the roadway be covered by insurance. The intention of this law is to protect all parties should an accident occur. Although state laws vary, Missouri, Kansas, Oklahoma and Arkansas define “uninsured” in terms of an accident, as occurring when the at-fault party is not covered. When such an accident occurs, special laws may apply, such as laws which require available policies to be “stacked” in order to expand the available compensation.

As you can see, an accident involving uninsured drivers can become a complicated situation. Trying to get your own damages covered can be a difficult ordeal. You often find yourself fighting with multiple parties and with insurance companies whose main job is to minimize their losses. This means their goal is to reduce the amount of payout wherever they can.

Even if all parties in an accident are insured, a similar situation may occur if the amount of available insurance is lower than the amount needed to cover damages. This happens because the state mandates a minimum amount of insurance coverage. This amount can quickly be spent on medical costs while still leaving a lot of unpaid bills and unrepaired damage. It also leaves no room for pain and suffering, loss of wages and loss of future earning.

In either an uninsured or underinsured situation, things can quickly become serious. Victims can be left holding a stack of bills, unable to work and left to fight with insurance companies over compensation. It is absolutely imperative that you have legal representation if you or a loved one are in an under or uninsured accident situation. The insurance companies are looking out for their interests, you need someone looking out for you.

3.5x More Settlement Money When You Hire An Attorney

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According to recent statistical data provided by the Insurance Research Council.

Do You Have An Uninsured Or Underinsured Claim in Joplin, MO?

The purpose of auto insurance is to protect you and others in case of an accident. Your coverage can vary greatly, ranging from basically liability, which is the state minimum, to full coverage with extended coverage for property damage and medical bills. You have to read your insurance policy closely to know what to expect, what your coverage limits are and if you have uninsured or underinsured motorist coverage.

If you are confused about the type of coverage you have, or the rights you have under law, we urge you to seek legal guidance. You do not get a second chance to settle your claim and there are special laws, policy requirements and other potential complications to consider. An experienced attorney can help ensure your rights are protected. Contact Us If you feel you may have an uninsured or underinsured claim.

Bishop & Hayes P.C. want to talk with you if you have been in an accident. We are experienced in handling even complex cases, included cases of uninsured or underinsured motorists. You can reach us 24 hours a day, 7 days a week and if you can’t come to us, we will come to you. We offer free, no obligation evaluations, so don’t hesitate to call today.

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If you've been injured due to another's negligence, you are entitled to compensation. At Bishop & Hayes you don't pay a dime unless we win your case. Our primary focus is auto accident law, which allows us to concentrate our efforts towards getting our clients the best results possible for our clients. 

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