What If I’m Hit By An Uninsured/Underinsured Motorist?
After an accident, dealing with insurance and paperwork can feel like a full-time job. This is often on top of concentrating on your recovery, your expenses, your own vehicle repair costs and more. But what if the other driver involved in the accident doesn’t even have insurance? Or if their insurance doesn’t cover your losses?
At Hay & Knight, PLLC, we can help you work through these issues. Our lawyers have significant experience in helping Kentucky’s drivers recover compensation after an accident with an uninsured or underinsured motorist. We are committed to helping clients throughout Kentucky from our office in Somerset.
Understanding Insurance Coverages
There are key differences between uninsured coverage and underinsured motorist coverage.
- Uninsured motorists: Kentucky law mandates uninsured motorist coverage. This comes in handy if the at-fault driver doesn’t have insurance coverage. In these cases, your own insurance company should cover costs associated with your accident.
- Underinsured motorists: This coverage is optional, and insurance companies tend to sell it only if it’s requested. While it varies, in Kentucky, underinsured motorist coverage doesn’t tend to cover more than just a few hospital visits. This can be difficult for motorists who have been seriously injured by an underinsured driver. Nevertheless, it can be beneficial.
Even if you have these coverages, there are special requirements for collecting underinsured motorist coverage. It’s often not as simple as settling with the at-fault driver for their liability coverage.
At our firm, we can help you understand your insurance coverages (as well as those of the at-fault driver), and we can work to make sure you recover fair and just compensation.