reviewing insurance policyIf you were hurt in a motorcycle accident that was not your fault, the negligent driver could be responsible for compensating you for your injuries. However, the at-fault motorist's insurance company could try to deny your right to damages or try to pay you less than you are entitled to under Kansas or Missouri law. One tactic they may employ is to refuse to tell you how much insurance coverage their driver has.

Why You Need to Know the Insurance Policy Limits When Filing a Claim

It is essential to know how much insurance coverage the negligent driver has before settling your claim with their insurance company. This information is important for two reasons.

Insurance Limits

The insurance company is only required to pay you damages up to the liability insurance amount in their insured's insurance policy. The minimum liability insurance for personal injuries is $25,000 per person and $50,000 per accident in Kansas and Missouri. However, if the driver purchased additional coverage, you would want to know this because the insurance company could be responsible for paying you much more compensation in your settlement.

Your Own Insurance

You also need to know how much insurance coverage the at-fault motorist has so you know whether to file a claim under your own motorcycle insurance policy. In both Kansas and Missouri, you are required to purchase $25,000 per person and $50,000 per accident in uninsured and underinsured motorist coverage. You may need this coverage if you suffered serious injuries and the driver has no or little insurance.

Four Ways to Find Out the Other Driver's Insurance Policy Limits

If the insurance company is being difficult and refuses to tell you how much insurance coverage their insured has, you have options for finding out this information. Here are four things you can do:

  1. Ask the other driver. They may voluntarily provide you with this information.
  2. Send a demand letter to the insurance company. They are much more likely to tell you the liability insurance coverage if you have an experienced motorcycle accident lawyer send the letter for you.
  3. Ask your insurance company to help you find out this information. Your claims adjuster may be willing to assist you with this if you are filing a claim for repairs to your motorcycle.
  4. File a lawsuit. If the insurance company refuses to provide your lawyer with the negligent driver's insurance policy information, your attorney can file a lawsuit and demand these records through the litigation process.

Have You Been Injured in a Kansas City Area Motorcycle Accident?

If you've been injured in a motorcycle accident, you need to speak with an experienced motorcycle accident lawyer as soon as possible. It will cost you nothing to hire us because we handle these cases on a contingency fee basis where you only pay us if we win your case. We will also front the costs and fees you could incur. Contact us online or call our Kansas City office directly at 816.471.5111 to schedule your free consultation.

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