What Happens if You Are in a Crash and Don’t Have Car Insurance?

All owners of vehicles in Kansas have a responsibility to carry liability insurance on any vehicle they own and drive.

Financial Responsibility

All motorists in Kansas are required by law to carry a valid driver’s license and proof of insurance at all times they are behind the wheel. Failing to do this can result in a ticket.

If you are found at fault for the accident, you may be responsible for paying damages or financial compensation. If you did not have any insurance at the time of the accident, you may be personally sued and liable for damages.

Kansas also has a law known as the ‘No Pay, No Play’ rule. Under this law, uninsured motorists may not be eligible to obtain non-economic damages or compensation if they were not properly insured, even if another driver was at fault for the accident. These damages include pain, suffering, loss of function, scarring and disfigurement.

By buying car insurance, you also cover yourself if the other driver does not have liability insurance and causes you harm. This coverage you get is called Uninsured Motorist Coverage or Underinsured Motorist Coverage. If the other driver has minimum limits of $25,000 and you carry $100,000 in BI/UIM coverage, you could get $75,000 from your own company if you have substantial damages.

Our Car Accident Lawyer in Salina Can Help After a Crash

If you suffer damage and harm from a car, truck or motorcycle crash, you need legal help. At Neustrom & Associates, we understand insurance law, injury law and medicine. Our Salina car accident lawyer can help you get a fair and just outcome. Call us now at 1-785-825-1505 or fill out our online form to schedule a free consultation with our experienced attorney and to learn more about how we can help.