Automobile policies are typically long and confusing. Reading the policy from top to bottom can be almost impossible for someone who doesn’t know what they’re reading. The insurance companies aren’t necessarily doing this on purpose – Some of the language in the policy is actually required by law. But the ultimate question is – what should I be looking for? There are two important things that should be examined carefully in your policy.
First, don’t skimp on your liability coverage. Any form of auto coverage is great, but some policies won’t cover a severe accident. If the other driver only had minimum coverage, you may be covering quite of bit of the medical bills, lost wages and other damages out of pocket.
Second, get the highest amount for uninsured or underinsured motorist coverage that you can afford. You do this by getting high liability limits.Kansas law requires your insurance policy to include uninsured and underinsured motorist coverage. But it still might be a minimal amount depending on the coverage. This means, you still might pay out of pocket for medical bills and other damages. Don’t let yourself face a long financial recovery road because the other person that hit you can’t pay for the hospital bills. You want uninsured and underinsured coverage to protect yourself if someone else hurts you and does not have enough insurance. Uninsured and underinsured coverage can protect you from harms and losses even if the other driver does not have enough insurance.
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.