Uninsured & Underinsured Motorist Claims

Uninsured & Underinsured Motorist Claims Attorneys

Navigating through the ordeal of an accident is challenging enough, but the situation becomes even more complex when you're dealing with an uninsured or underinsured motorist. We understand the frustration and the financial anxiety that you may be facing. The lack of proper insurance coverage from the responsible party shouldn't obstruct your path to recovery. It's our role to step in and guide you through the nuanced process of making a claim under your insurance policy for compensation that can support your recovery.

Dealing with insurance companies in uninsured and underinsured motorist claims can be a daunting task. The resistance to compensate victims fairly is not an uncommon scenario. We come to the negotiation table prepared, bringing to bear our background in both insurance defense and personal injury litigation. This experience equips us with insights into the tactics that insurance companies may use. 

When negotiations do not lead to a satisfactory offer, our resolve only strengthens. As aggressive litigators with substantial trial experience, we are always prepared to take your case to court. Our goal is to work relentlessly to seek the justice you deserve. The journey toward recovery following an accident is not just about financial compensation—it's about respect, compassion, and understanding. While you and your family focus on healing, let us focus on the legal complexities. Together, as your team, we aim to make the process as smooth as possible, maintaining open and prompt communication every step of the way.

In preparing your uninsured and underinsured motorist claim, our attention to detail is unwavering. We harness the power of technology to refine our case analysis and preparations, ensuring that every possible angle is examined. Our professional staff and the strong network of experts we consult with contribute to building a robust case on your behalf. Moreover, we bring the advantage of having a team of investigators ready to gather all necessary evidence. We are committed to investing in your case, dedicating the resources needed for a comprehensive investigation and preparation.

Call (417) 304-3228 or contact us online to schedule a free, no-obligation case consultation with an uninsured and underinsured claims attorney today.

What Is the Difference Between Being Uninsured and Underinsured?

In our practice, we often encounter confusion regarding the terms "uninsured" and "underinsured." Understanding these terms is crucial in the context of automobile accidents and the corresponding insurance claims. Being uninsured means that the at-fault driver has no insurance policy in place to cover the injuries they caused. This absence of coverage puts a financial burden on the injured party, which can be a significant source of stress and uncertainty.

On the other hand, being underinsured refers to the situation where an at-fault driver's insurance policy has limits that are too low to cover the full extent of the injuries incurred. In this case, the responsible party has some coverage, but it falls short of the total costs associated with your medical care, property repair, and other accident-related expenses.


  • $1.5 Million Auto Accident Rollover
  • $1.1 Million Motorcycle Accident
  • $1 Million Semi-Truck Accident
  • $500,000 Semi-Truck Failure to Secure Load
  • $400,000 Uninsured Motorist Red Light Accident
  • $350,000 Semi-Truck Head-On Collision

The Keys to our success

  • Exclusive Focus on Auto Accident Recovery Law
  • Over $100,000,000 Total Recovered for Our Clients
  • 50 Years of Combined Experience in Car Crash Recovery
  • Same-Day Returned Phone Calls and Emails from Our Clients
  • Partners Who Handle Your Claim from Consultation to Recovery

What to Do if You Are in an Accident with an Uninsured or Underinsured Driver

If you find yourself involved in an accident with an uninsured or underinsured driver, it's essential to take specific steps to safeguard your interests.

Here's what you need to do to protect yourself and your rights:

  • Call 911: Your safety and the safety of others are paramount. Call 911 to report the accident and request any necessary medical assistance.
  • Document the scene: Take photos of the damage to your vehicle, any injuries, and the surrounding area. Gather information like the other driver's name, contact details, license plate, and insurance information (if available).
  • Obtain a police report: A police report provides a valuable official record of the accident. This can be critical for establishing the facts and may reveal insurance-related information.
  • Notify your insurance company: Contact your insurance provider promptly to report the accident. Timeliness is often essential when it comes to filing claims.
  • Contact an attorney: An experienced attorney can guide you through the intricate process of filing a claim for uninsured or underinsured motorist coverage. At Bishop & Hayes, we have ample experience in these cases and provide crucial legal support.

Laws Specific to Kansas, Missouri, Oklahoma, & Arkansas

Navigating the intricacies of auto insurance regulations can be confusing, particularly when dealing with laws that vary by state. Missouri, Kansas, Oklahoma, and Arkansas each have their own set of laws and requirements regarding uninsured and underinsured motorist coverage. Understanding these differences is crucial for anyone involved in a cross-state accident or living near state lines. 

Here are some examples of how the laws diverge across these four states:

  • Missouri: In Missouri, uninsured motorist coverage is mandatory for all drivers. This coverage must include a minimum of $25,000 per person and $50,000 per accident for bodily injury.
  • Kansas: Like Missouri, Kansas requires uninsured motorist coverage. However, Kansas also mandates personal injury protection (PIP) as part of its no-fault insurance system, providing additional protection regardless of who is at fault in an accident.
  • Oklahoma: In Oklahoma, drivers are required to have uninsured motorist coverage, but the specifics can be more flexible and based on the individual's insurance agreement.
  • Arkansas: Unlike the other states mentioned, Arkansas does not require drivers to carry uninsured or underinsured motorist coverage. However, insurance companies must offer it, and policyholders must decline this coverage in writing if they choose to go without it.

These distinctions highlight the importance of being well-informed about the insurance laws applicable to your state to ensure adequate coverage and protection.

Hear from our clients

    “Give them a call first!”
    “If you need an attorney that is going to look out for your needs give them a call first.”
    - Jen F.
    “Great experiences!”
    “Two times now we have needed them.”
    - Kasandra S.
    “Over the top knowledgeable!”
    “There aren't enough words to say how much I appreciate my first meeting with Tim Hayes!!”
    - Jeanette B.
    “I highly recommend Bishop and Hayes for your legal needs.”
    “Professional, caring, answered every question, staff very understanding, and they made it easier going thru an accident.”
    - Campbell C.
    “Negotiated the maximum settlement”
    “My husband, family and I are very grateful for the compassion and the help in navigating all the parts.”
    - Renee T.
    “They made it so easy! Super friendly staff and beautiful office!”
    - Allie E.
    “I could not recommend Bishop and Hayes more.”
    “They guided me through a confusing time and went above and beyond to help me.”
    - Bailey D.
    “Loved working with Bishop & Hayes!”
    “Their service, communication and professionalism, that's what makes them great!”
    - Vlad L.

Schedule a Free Case Consultation Today

As your legal team, we are your partners in navigating the claims process. We handle every step, from meticulously filing paperwork to fiercely representing you in negotiations with insurance companies. Our extensive experience in these negotiations allows us to confidently advocate for your best interests so you can focus on what matters most.

If negotiations fail to deliver a just outcome, we are fully prepared to take your case to trial. Our seasoned litigators will meticulously build a compelling case, utilizing evidence, expert testimony, and our deep understanding of the law to fight for the compensation you deserve.

We recognize the stress and uncertainty that follows an accident, especially one involving an uninsured or underinsured driver. Our compassionate team prioritizes open communication and responsiveness, ensuring you're informed and supported at every stage. We want you to focus on your recovery while we manage the legal complexities.

Call (417) 304-3228 or contact us online today to schedule a consultation with an uninsured and underinsured claims attorney at Bishop & Hayes today. We operate from offices situated in Joplin, MO; Springfield, MO; and Miami, OK.

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Devoted Auto Accident attorneys ready to help you recover
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