How Does Car Insurance in Missouri Work?

After getting hurt in a car accident in Kansas City, Missouri, you may be wondering how you’re going to deal with your mounting medical bills on top of your loss of income. Our Missouri car accident attorneys can help you through this stressful time by answering your questions and helping you get the compensation you need. 

Our award-winning Kansas City personal injury attorneys at Bradley Law Personal Injury Lawyers have dedicated our careers to helping accident victims. We’ve recovered over $70 million in settlements and verdicts. We can help you, too, by providing aggressive, high-quality legal representation.

Call our Kansas City, MO law firm today for a free, no-obligation consultation at (314) 400-0000. We’re here to guide you through the complicated process of getting compensation for your injuries while you concentrate on getting back on your feet.    

How Can Bradley Law Personal Injury Lawyers Help You After a Car Accident in Missouri?

How Can Bradley Law Personal Injury Lawyers Help You After a Car Accident in Missouri?

Your accident and injuries are unique. Because there is no “one size fits all” solution to your problem, you’ll get an individualized analysis of your claim. Our Kansas City personal injury lawyers believe that if someone else’s negligence causes you harm, you shouldn’t have to suffer the financial price as well as the physical pain.

Since we opened our law office doors in 2002, Bradley Law Personal Injury Lawyers has been helping accident victims navigate the insurance claims process. We have the experience and the will to go up against the largest insurance companies. 

When you hire us to help you through the Missouri insurance claims process, you get a law firm that:

  • Won’t let an aggressive insurance company wrongfully accuse you of causing the accident
  • Has the financial resources to tirelessly pursue your case, even if that means going to trial
  • Will refuse to compromise your claim just for a quick settlement
  • Has a proven track record of getting exceptional settlements and verdicts for our clients
  • Is recognized by Martindale-Hubbell as having a top AV-rated attorney  

We give you an added edge because our attorneys are former insurance defense attorneys. We understand that the insurance company isn’t your friend, and they’ll work hard to minimize your claim or even deny it just to protect their financial bottom line. Our Kansas City car accident attorneys will level the playing field and protect you against insurance companies. 

What Car Insurance Am I Required to Have in Missouri?

Missouri is an “at-fault” state for car accidents. This means the negligent driver or their insurance company must pay for injuries they cause in a collision. 

To ensure that negligent drivers are able to pay for accidents they cause, state law requires every driver to carry minimum amounts of insurance coverage. 

Bodily Injury Liability Insurance

This coverage protects you if you cause an accident that results in injuries to others. You must have a minimum of $25,000 in coverage per person for bodily injury and $50,000 per accident for bodily injury.

Property Damage Liability Insurance

Property damage liability covers damage to other people’s property due to an accident you cause. This policy doesn’t only cover damage to another person’s vehicle. It can include other property, such as fences, buildings, traffic signs, and personal property.

Uninsured Motorist Coverage

Uninsured motorist coverage compensates you for your injuries and your passenger’s injuries if you are in an accident caused by an uninsured or a hit-and-run driver

Failure to carry the car insurance required by law is a misdemeanor and can result in significant penalties, including:

  • Suspension of driving privileges
  • Assessment of points on your driving record
  • Court-ordered supervision
  • Up to 15 days of jail time for subsequent violations
  • Substantial fines and license reinstatement fees

You can also be issued a ticket if you don’t have proof of insurance when asked by a law enforcement officer.

What If the At-Fault Driver’s Insurance Doesn’t Cover All My Losses?

Some car accidents can result in serious injuries such as traumatic brain injuries, paralysis, and other life-long debilitating injuries. What happens if the cost of your injuries exceeds the policy limits of the at-fault driver’s insurance policy?

In that case, you have a couple of options. You can file a lawsuit against the at-fault driver to try to get compensation for your injuries directly from them. Unfortunately, some drivers don’t have enough money or assets to cover your damages, so collecting on a judgment may be difficult.

If you have underinsured motorist coverage, you may be able to get compensated for the cost of your injuries that weren’t covered by the at-fault driver’s policy. Missouri doesn’t require you to carry this type of insurance, but it may be a good idea to have it. 

If you’ve been hurt in a Missouri car accident, it’s important that you have an experienced personal injury lawyer to help you through the claims process. Bradley Law Personal Injury Lawyers can ease some of your stress.

Our accomplished Kansas City car accident attorneys understand the complexities of Missouri’s car insurance laws. You can rely on us to help you through this difficult time and deal with the insurance company while you recover from your injuries. 

If another person negligently caused your car accident, call us today to arrange a free, no-obligation consultation. We’ll review your case with you and develop a legal strategy to get you the compensation you need and deserve.