Uninsured Motorist Coverage

Uninsured Motorist Coverage

In Kentucky, it is not unusual for a driver who causes an auto accident to have no insurance.  This lack of coverage does not preclude you from collecting money for your injuries.  Your own insurance company would love for you to think that you cannot collect for your injuries in this situation.  Any experienced auto accident attorney will tell you “no insurance” does not necessarily mean you don’t have a case.

In Kentucky, the law requires all car owners to carry insurance that covers themselves in the event of an accident with an uninsured driver.  Everyone pays a separate premium for “uninsured” and “under-insured” coverage.  This coverage is applicable if you are injured in an accident with a car that has no insurance or not enough insurance.

Essentially, your own insurance company will pay the damages caused by the uninsured driver.  Your own insurance company will pay to settle your claim just as if it were the company for the uninsured driver.  If your company refuses to pay, it can be sued to enforce your right to compensation.

Policyholders pay a premium for this type of coverage.  If the accident was not your fault, you are entitled to the coverage you paid for without penalty.

In the event of an accident with an uninsured vehicle, you should remember that you still may be able to recover damages from your own insurance company.  However, your own insurance company will not voluntarily pay your uninsured claim.  The less an insurance company pays out on claims, the greater its corporate profit.

If you or a loved one has been involved in an auto accident and need experienced representation, contact Millward & Castle today for a consultation at 1-888-988-1088.


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