Kansas City, MO personal injury attorney Rachel Smith talks about what to do if the driver who injured you doesn’t have insurance. She notes that if a driver lacks insurance, most states require individuals to carry uninsured motorist coverage on their own policy. As part of her commitment to community education, she encourages anyone to review their insurance policies to ensure they have adequate protection.

She emphasizes that many people are underinsured, and uninsured coverage is critical because it is the only type of insurance that protects you if your medical bills are high and the at-fault driver either has no insurance or insufficient coverage. For example, in Kansas and Missouri, state minimums are $25,000, which can be exceeded by a single emergency room visit.

She advises that individuals purchase as much coverage as they can afford, noting that crashes with uninsured or underinsured drivers are not uncommon. Proper coverage ensures that victims are protected from unpaid medical bills and other economic or non-economic damages resulting from an accident.