After a car accident, one of the biggest concerns is figuring out which insurance policy will cover your medical treatment and vehicle repairs. The answer depends on who is at fault, the type of insurance coverage you have, and the laws in Missouri and Kansas.
Missouri vs. Kansas: Who Pays for What?
- Missouri is an at-fault state, meaning the driver responsible for the accident (or their insurance) must cover damages.
- Kansas is a no-fault state, so drivers must use their own insurance for medical expenses, regardless of fault, under Personal Injury Protection (PIP).
When to Use the Other Driver’s Insurance
If the accident was not your fault, you may be able to file a claim against the other driver’s liability insurance to cover:
✔ Medical bills
✔ Chiropractic care and physical therapy
✔ Lost wages
✔ Vehicle repairs
However, insurance companies often delay or deny claims, which is why many accident victims seek legal help.
When to Use Your Own Insurance
You may need to use your insurance if:
- The other driver is uninsured or underinsured
- Fault is disputed, and your claim is delayed
- You have MedPay or PIP coverage (covers medical bills regardless of fault)
- You have collision coverage to repair your vehicle faster
At Quiro Rehab, we work with personal injury attorneys and can provide treatment under a medical lien, meaning you don’t pay upfront.
What If You’re Unsure?
Navigating insurance after an accident can be overwhelming. Seeking medical care right away is essential, and our team at Quiro Rehab can help guide you on your options.
Injured in a Car Accident? Contact Quiro Rehab Today!
If you’ve been injured in a car accident in Kansas City, call Quiro Rehab at 913-308-6221 to schedule an evaluation. We provide chiropractic care, physical therapy, and advanced diagnostics to help you move forward after an accident.
