Uninsured Motorist Insurance Coverage and Underinsured Motorist Insurance Coverage in Kentucky
Most people injured in Kentucky car accidents receive reasonable compensation (money) for their pain and suffering, their time off work, their medical expenses and their future medical needs. However, sometimes the person responsible for the accident does not have the required motor vehicle liability insurance.
Uninsured Motorist Accidents
Although it is illegal to drive in Kentucky without insurance, it unfortunately happens and can result in additional problems for the victim suffering injury in a Kentucky car accident. In this situation, the injured person will need to pursue a claim against their own insurance company and/or the insurance company for the car that they were driving or riding in.
Insurance benefits for injuries suffered because of an uninsured driver's negligence are called "Uninsured Motorist" insurance benefits. The name says it all. These are benefits to provide compensation for injuries suffered as a result of someone else's negligence where that responsible party does not have liability insurance coverage.
Underinsured Motorist Accidents
In the situation where the responsible (negligent) driver DOES have the legally required insurance but simply does not have ENOUGH coverage (or a big enough insurance policy), the injured person may look for another type of insurance coverage. "Underinsured Motorist" insurance benefits may be available in the situation where the injuries cannot be fairly compensated even if the responsible driver's insurance company pays all of the liability coverage that is available.
Care must be taken to protect not only the injured person's rights but also certain rights of the insurance company that is being asked to pay underinsured benefits. The details of how to properly handle an underinsured motorist claim can be tricky and, therefore, injured people often hire personal injury lawyers in Kentucky to handle these complicated injury claims.
If you feel you need assistance with an Uninsured Motorist Insurance Claim or an Underinsured Motorist Insurance Claim, consider consulting a Kentucky personal injury lawyer. The law firm of Brett H. Oppenheimer, PLLC handles both Kentucky Uninsured Motorist Claims and Underinsured Motorist Claims.