In the Kansas City metro area, where Kansas and Missouri meet, hit-and-run accidents are a serious concern. But even if the at-fault driver flees the scene, you're not without options for seeking compensation.
The Immediate Aftermath: What to Do (and Not Do)
First and foremost, your safety and the safety of others are paramount.
- Safety First: If possible, move your vehicle to a safe location. Check for injuries to yourself and any passengers.
- Call the Police Immediately: Report the hit-and-run to the police. This is crucial for documenting the accident and initiating an investigation. Provide as much detail as you can about the other vehicle (make, model, color, any distinguishing features, license plate numbers or partials) and the driver, if you saw them. Get a copy of the police report.
- Document the Scene: Take photos and videos of the accident scene, including vehicle damage, road conditions, and any potential evidence like debris. Look for nearby businesses or homes that might have surveillance cameras.
- Seek Medical Attention: Even if you feel fine, it's wise to get checked by a medical professional. Some injuries may not be immediately apparent.
- Do Not Pursue: Resist the urge to chase after the fleeing driver. This can put you and others in danger.
Your Options for Compensation in Kansas and Missouri
This is where understanding your insurance policies becomes vital. In a hit-and-run scenario, your own insurance is often your primary recourse.
Uninsured Motorist (UM) Coverage
This is your most important friend in a hit-and-run. Both Kansas and Missouri require insurance companies to offer Uninsured Motorist (UM) coverage. This coverage is designed to protect you when the at-fault driver either doesn't have insurance or, as in a hit-and-run, cannot be identified.
- What it Covers: UM coverage typically covers medical expenses, lost wages, and pain and suffering.
- How it Works: You file a claim with your own insurance company, and they essentially step into the shoes of the absent hit-and-run driver's insurance.
Medical Payments (MedPay) Coverage - Offered in Missouri
MedPay coverage is a no-fault addition to your policy that covers medical expenses for you and your passengers, regardless of who was at fault. It can be a valuable immediate source of funds for medical treatment.
Personal Injury Protection (PIP) Benefits – Offered in Kansas
PIP is also a no-fault medical expense coverage for you and your passengers. It will provide up to $4,500 in coverage for medical treatment.
Collision Coverage
If your vehicle was damaged, your collision coverage will pay for repairs, minus your deductible. While it doesn't cover your medical bills, it's essential for getting your car back on the road.
Why You Need Legal Help: Kansas City Hit-and-Run Attorneys
Dealing with insurance companies, especially your own, after a stressful hit-and-run can be overwhelming. This is where an experienced Kansas City hit-and-run accidents attorney can be invaluable.
- Navigating Insurance Claims: Attorneys understand the complexities of UM claims and can help you gather necessary documentation, negotiate with your insurance company, and ensure you receive fair compensation.
- Investigating the Accident: While police investigate, your attorney can also launch their own investigation, looking for witnesses, surveillance footage, and other evidence that might identify the hit-and-run driver.
- Protecting Your Rights: Insurance companies are businesses, and their goal is to pay out as little as possible. An attorney ensures your rights are protected and that you're not undervalued.
- Understanding State-Specific Laws: Whether your accident happened in Kansas or Missouri, the nuances of each state's laws can impact your claim. A local attorney is well-versed in these distinctions.
Don't Let a Hit-and-Run Leave You in the Lurch
A hit-and-run collision is a traumatic event, but it doesn't mean you have no recourse. By taking the right steps immediately after the crash and understanding your insurance options, especially Uninsured Motorist coverage, you can pursue the compensation you deserve. If you've been the victim of a hit-and-run in Kansas or Missouri, contact a reputable personal injury attorney today for a consultation. They can help you navigate this challenging situation and fight for your financial recovery.
If you've been injured in a car crash in Kansas or Missouri, don’t risk making costly mistakes. Castle Law Office is here to protect your rights and fight for the compensation you deserve. We offer free consultations, and you don’t pay us unless we win your case. Call us today at (816) 842-6200 or to speak with an attorney https://www.castlelaw-kc.com/contact.cfm
