0:04
if the driver doesn’t have
0:07
insurance Most states have a minimum
0:10
requirement that an individual carry
0:12
uninsured coverage on their own policy
0:15
and one of the things that we do as part
0:17
of our community service is tell any
0:19
human on earth if you want to send us
0:21
your policy we’ll tell you what to buy
0:23
more of because this is an area where
0:26
people are often underinsured they need
0:30
to have more insurance this is the only
0:31
kind of insurance that you can purchase
0:33
that protects you if you are injured
0:37
your medical bills are high and the
0:39
person who hits you either has no
0:41
insurance or not enough because the
0:43
state minimums in Kansas and Missouri
0:45
are
0:46
25,000 and and sometimes that can be an
0:49
ER Bill alone so there are Provisions to
0:54
protect you on your own insurance
0:56
policies but it is an area where you
0:58
want to make sure
1:00
that you have purchased as much coverage
1:03
as you can afford because this is not
1:06
uncommon that someone is is in a crash
1:09
with an uninsured driver and that will
1:12
be the one thing that can protect you
1:14
from being left with unpaid medical
1:16
bills or other economic and non-economic damages