Uninsured / Underinsured Motorists

Catastrophic Personal Injury

Uninsured/Underinsured Motorist Claim Attorneys in Kansas City

Helping You through Stressful Situations

It is alarming to victims of car accidents when they discover that the driver who hit them has no auto insurance or carries only the minimum liability coverage.

Are you stuck holding the bag? No. You are covered under your own car insurance policy for this scenario. However, insurance companies routinely fight these claims or offer a lowball settlement. You may need uninsured motorist attorneys in Kansas City to enforce your rights.

The personal injury attorneys of Dempsey Kingsland Osteen, have extensive experience with uninsured motorist/underinsured motorist (UM/UIM) claims. We will take your insurer to court if necessary to force them to honor their obligations – though in most cases we can extract a fair settlement.

Attorneys for Underinsured Driver Claims

Even if another motorist caused your crash, your initial medical bills are paid by your personal injury protection (also known as PIP, Med-Pay or “no-fault”) insurance. When PIP coverage is exhausted, the other driver’s insurance pays for any excess medical costs, as well as damages for lost earnings, permanent disability, and pain and suffering.

If the other driver is not insured or does not have enough coverage to pay your losses, your uninsured motorist/underinsured motorist pays the remainder. At least that’s how it’s supposed to work. In reality, insurers play games with PIP and UM/UIM claims to delay, deny, or downplay the payout.

Protecting Your Interests

Lee Dempsey, Bob Kingsland, and Jason Osteen are veteran trial lawyers who are savvy to the insurers’ tactics and the statutes in Kansas and Missouri governing these claims. We can step in to make sure you get fair and timely treatment.

Keep in mind that:

• In Kansas, you cannot receive payment from your UM/UIM policy until the other driver’s carrier signs a waiver of liability. This trap in the law requires an attorney’s assistance.
• In Kansas, insurers cannot seek subrogation (reimbursement) of your PIP claims if you have out-of-pocket losses above and beyond the UM/UIM coverage. In Missouri, there is no subrogation of Med-Pay at all. These laws do not stop insurers from seeking reimbursement they are not entitled to. We can make them back off.
• If your PIP/Med-Pay insurer is slow to pay your doctor bills, we can intervene to help.