I was the only person in my vehicle. They hit me & kept going. Am I only limited to 25k for my injuries, lost wages & medical bills?
Uninsured (UM) and underinsured (UIM) coverage is mandated by Kansas law and is included in every automobile liability insurance policy in Kansas. By law, your UM and UIM limits have to be equal to your liability limits unless there is a written reduction in your UM and UIM limits.
A policy which has 25/50 limits as you have stated means that you have $25K in UM/UIM benefits available for any one person in your vehicle, and never more than $50K in UM/UIM benefits available if there are multiple people in your vehicle. Since you were alone in your vehicle there would only be $25K in available UM/UIM limits to cover your medical bills, lost wages and injuries.
There should also be PIP (personal injury protection) benefits available to you. PIP should cover at least $4,500 of your medical bills and $4,500 of your rehabilitation expenses. You may have higher PIP limits than this, but these amounts are the minimums required by law. Most insurance companies will not tell you about the rehabilitation expense coverage. There should be coverage for "essential services" as well.
There are some things that a good lawyer would investigate. For instance, it may be possible to track down the driver of the other vehicle. Also, a good lawyer would check to see if the UM/UIM limits are equal to your liability limits. Sometimes insurance companies write different limits for UM/UIM limits than for liability limits and such an attempt by the insurance company to reduce your UM/UIM coverage would not be enforceable against you.
If you have any questions about this you should contact a well respected injury lawyer.
I was diagnosed with herpes. When I informed my partner, she seemed indifferent about the whole thing. She has now informed not to ever contact me, or she will call the police. Until proved wrong, I say she gave me this disease. What are my rights...
You could file a civil claim for battery, and then during discovery request a medical exam of the Defendant. You should probably talk to a local attorney regarding this.See question
I was jumped by a few guys a couple of years ago. They left me with level 7 head trauma tbi. The police have not got in touch with the guys who hurt me, I have digital images taken from our home surveillance system of the men. Just wondering if an...
You need to contact a personal injury attorney right away. The statute of limitations for pursuing a claim for damages caused by battery may already have run, as it is typically only one year. There may be some exceptions, so talk to an attorney without delay.See question
My four year old was sitting on the child seat next to the self checkout when he slipped off and hit his mouth on the basket handle. While filing out the report, the manager at the store asked another employee to come look at him and help determi...
You should contact an experienced Kansas personal injury attorney as soon as possible. Walmart's insurance adjusters will act concerned at first, but will eventually turn down your claim. So it is better to start with an attorney.See question
When my husband and our daughter moved into our home we told the landlord about the huge crack in the hallway floor and how it could be dangerous for our daughter. He clearly said it was perfectly fine to walk on and we will not be responsible for...
Yes, you can pursue a personal injury claim on behalf of your daughter. It sounds like you have the evidence you need to prove that your landlord was negligent. The key will be proving that the landlord had knowledge of the condition before it happened, and who knows whether he will be honest when confronted about that issue. Kansas is a one-party consent state, so you could call your landlord and record it and try to get his admission.
You should talk to an attorney about this as soon as possible.
The attorney says he already has the settlement check from the insurance company given to him after the settlement was signed. Now he wants me to sign the release for the insurance company. If this is required by the insurance company why did the...
The release is supposed to simply be a written memorialization of the agreement to settle the claim. Essentially the insurance company agrees to pay you in exchange for your agreement to release the insurance company and its insured. Most people are bothered by the standard language which states that the release is not to be construed as an admission of fault. That language is used by the insurance company because they often would not be able to get their insured driver to admit fault. If instead of reaching a settlement agreement you went to trial and got a verdict and judgment, then you would not have to sign a release to get the insurance company's money and would not have to sign something which states that there is no admission of liability.
I hope that this helps explain the process.
If a civil court issues judgment in favor of plaintiff's monetary damage, can plaintiff recover the damage from defendant's out of country assets in the event the defendant does not have enough asset in the USA to satisfy the damage claim?
You can collect against a defendant's out-of-country assets, but there are many hurdles. You should contact an attorney who specializes in collections matters as soon as possible.See question
The accident took place at About 10pm on a dimly lit street. There were no flashers or anything letting him know it was there and he drove right in to it. He was not ticketed and the officer agreed it would be the liability of the company that ow...
Yes, your friend has a claim. The dumpster should have had flashing lights on it, and your friend can pursue the company that placed the dumpster in the street without lights. The claim will include medical bills, lost wages, property damage, and pain, suffering and any resulting disability. Your friend will also have a "PIP" or "no fault" claim against his own insurance company.See question
Started see ing this guy in the early part of June. went to breakfast once, he initiated first n the only quality time was brief like forty five minutes. only once the encounter was when I met his mother. after the second contact I felt this guy o...
You may have a claim for "battery" if he intentionally exposed you to the STD, or for negligence if it was not intentional. You should contact an attorney right away, especially if you are going to have permanent injuries from this.See question
I under went a colonoscopy that went bad. My Insurance paid all but 175.00 and I don't feel as though I should have to pay the remainder due to the surgery problem. How can I do this? Thank You!!
Talk to the hospital administrator. They may be willing to write off the balance given your outcome.See question