Uninsured Motorist Coverage and Collision Coverage

By Pyle Law, Reviewed by E. THomas Pyle September 29 2023 8:06 pm
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Uninsured Motorist Coverage and Collision Coverage

By Pyle Law, Reviewed by E. THomas Pyle September 29 2023 8:06 pm
Uninsured Motorist Coverage and Collision Coverage

Getting into a car accident is stressful, and not having the right insurance to cover damages can make a situation even more difficult to address. There are several types of insurance drivers can – and should – carry to address the financial impact of an accident. Two kinds of coverage for automobile accidents are uninsured motorist coverage and collision coverage. Each can help to cover certain costs so that you are not left with a higher bill than necessary. 

If you have been in an accident, a car accident attorney in Kansas can help file a claim and successfully negotiate with insurance companies.

 

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage covers the costs of medical bills, vehicle repairs, and additional damages from a car accident with an uninsured driver. Too many drivers fail to carry the required coverage in Kansas, leading to serious concerns for accident victims about recouping their losses. 

 

Protect Yourself Against Uninsured Motorists 

About 12% of motorists in the United States are uninsured, with some states as high as 20% or more (Mississippi, Michigan, Tennessee, and New Mexico). More specifically, about 11% of Kansas drivers are uninsured, though the number may be higher for vehicles that are not publicly recorded. Uninsured motorist coverage is not mandated by every state, though Kansas does require drivers to carry it. Uninsured motorist insurance should also cover a hit-and-run accident, as it treats drivers who flee the scene as uninsured drivers. 

Other insurance can sometimes overlap with uninsured motorist coverage. For example, a health insurance provider may pay out medical costs only after all other insurance sources have paid out damages first. You should check with your insurance provider to identify how they cover the cost of damages in the event of an accident. Uninsured motorist insurance should also cover passengers even if they do not have their own insurance. 

 

What Is Collision Coverage?

Collision coverage will cover the cost of damages to your vehicle, no matter who is at fault. If you were the one to cause an accident and damage your car, your collision insurance provider should still cover the cost of car repairs to your car despite you being at fault for the accident. It is not always required by law but may be mandatory if you lease or finance a motor vehicle.

Kansas requires drivers to have liability and uninsured motorist coverage. Collision or comprehensive coverage is not required by the state of Kansas. Not having collision coverage can be detrimental to your financial recovery following an unexpected accident. 

 

Collision Insurance Offers More Protection For Vehicle Damage

Carrying only uninsured motorist insurance may limit the damages you may be entitled to if you have been in a car accident. It only protects you in a handful of scenarios involving other at-fault motorists – with collision coverage, you can be covered in more situations, whether you or the other driver is at fault for the accident. 

Uninsured motorist coverage ensures only that:

  • You will be covered up to a certain amount if you are in an accident with an uninsured driver.
  • You will only have coverage if the other driver has been proven to be at fault for the accident.

With collision insurance, you do not have to prove someone else was to blame or they were uninsured – your property damage will be covered less your contractual deductible.

 

What Happens If You Do Not Have Collision Coverage?

If you do not have collision coverage, you will be liable for the cost of damage to your vehicle and injuries if you get into an accident and are at fault. Additionally, if you’re in an accident and the other driver is at fault but has no insurance, you will be responsible for any losses that exceed your uninsured motorist coverage. 

 

What Coverage do you Need?

Determining which combination of insurance is best for you is a personal decision. You will have to decide what you want and what is most important to you when preparing to protect yourself as much as possible in the event of a car accident. First, you must comply with the law and have the minimum coverage required, including uninsured motorist coverage. However, also consider supplemental coverage, such as collision, that is not required but highly beneficial in the event of a serious accident and injuries. 

 

Contact An Experienced Kansas Car Accident Attorney Today

We might drive defensively to prevent collision with another motorist, but we may not have control of or be aware of every moment. Therefore, motorists should prepare for the unexpected with proper car insurance coverage, whether collision or uninsured motorist coverage. 

If you have been in an accident, working with an experienced car accident lawyer can help you reclaim all the damages owed to you from various policies. Pyle Law can help you file a claim and secure a maximum settlement. Contact us to set up an appointment today.

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E. THOMAS PYLE

Pyle Law was founded in 1999 with a commitment to fewer clients and better service. We believe that each and every client is important and everyone is entitled to justice and equal protection under our laws. We make every case a priority and are committed to keeping each client informed about the status of their case. We do not guarantee results, but we do guarantee effort.

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This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by attorney E. Thomas Pyle who has more than 20 years of legal experience as a practicing personal injury trial attorney.