After a truck has rear-ended you on Hillside probably isn’t the best time to find out what your insurance policy is lacking. Most people take the time to review their long term debts, such as your mortgage on your house. Yet most people don’t think they need to meet with their insurance agent for a review. However, not doing so will only add additional expenses in the event of an auto accident.
Promises to save you money were most likely made by your agent before you signed that long, confusing policy. But what if gaps in your coverage were made to save you a few bucks? It’s likely that those few bucks have left you exposed to drivers that are uninsured or under-insured.
You may be wondering if more uninsured or under-insured motorist coverage is even necessary. The answer is almost always yes. This insurance covers a wide multitude of losses, financial and non-financial. Medical bills, lost wages, reduction in ability to earn money in the future or household help and assistance can fall under the financial coverage. This protects you if you and your family if you or a family member is injured by a driver who does not have enough insurance or has no insurance at all.
You may be wondering what happens if you did try to save a few bucks and you skimped on the coverage. Picture this scenario: you and your family are in a car wreck and it was the other drivers fault. You have lost wages from being unable to work, medical bills added up pretty quick, but you assume the other driver is responsible for the damages.
Wrong. The other motorist may be a college student with minimal or no coverage. Even if you go to Court and sue the college student, he or she can file for bankruptcy, since they don’t have the money to pay you back. Now you are stuck with the bills.
All in all, you’ll actually save much more money by paying for the extra coverage. Saving a few bucks now won’t make up for the thousands in medical bills and lost wages you may have to pay later.
If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recovery. Call us today at 316-269-1414 or visit our contact page here. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.
If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.
Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.