Maintaining liability insurance and a driver’s license are both bare minimum requirements for legally driving in Kansas. Careful compliance with traffic laws will be crucial if someone wants to avoid a crash and retain their license.
When crashes do occur, state law allows those negatively affected by the wreck to hold the person at fault for the crash accountable. Typically, someone hurt in a car crash will be eligible to file an insurance claim against the other driver’s coverage. However, there is always the possibility that the person to blame for the wreck won’t have an active policy at the time of the crash.
How likely are you to encounter an uninsured motorist on Kansas roads?
It is surprisingly common for people to gamble their future financial stability on whether or not they experience a crash. Someone without insurance may save a few hundred dollars, but they could end up subject to a judgment with tensor even hundreds of thousands of dollars after a collision.
Unfortunately, many drivers will take that gamble, and some of them eventually cause crashes that leave them facing lawsuits and others facing financial distress. As of 2019, the most recent year with an analysis by the Insurance Information Institute, Kansas had a moderate level of uninsured drivers. Roughly 10.9% of all drivers could be uninsured based on that data.
There are certain ways for you to protect yourself from the devastation possible when there is no insurance available following a wreck. The best way to proactively protect yourself likely involves adjusting your own insurance.
Uninsured motorist protection is a form of protection that you have control over, as you decide whether or not to carry it and how much coverage to add to your policy. You also have the option of pursuing a personal injury lawsuit against the other driver. Going to civil court can lead to a judgment that reinforces your right to compensation from the driver at fault for your crash.
Pursuing justice after a car crash with an uninsured motorist often requires careful planning and the support of someone who knows your rights and can advocate for you.
In Kansas, individuals who are involved in an auto accident or who suffer a personal injury may be able to seek financial compensation by filing a claim, regardless of the at-fault party. However, there are various statutes and rules guiding how to file injury claims and your options to recover damages after an accident or personal injury.
Whether you were in a catastrophic accident or you lost a loved one in an accident, you deserve the help of a personal injury lawyer who cares about helping you get back on your feet.
