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Uninsured Motorist Accident Lawyer

Although Kentucky is a no-fault state and drivers can recover compensation from their own auto insurance policies, they may need to step outside the no-fault system after certain accidents. If the at-fault driver is uninsured, however, this becomes much more difficult, as there is no liability insurance for you to file a claim against. This a situation where your uninsured motorist coverage comes into play. Our experienced Louisville uninsured motorist accident lawyers discuss these types of claims below, explaining how you can benefit from hiring a knowledgeable attorney to manage your case. At Justice Injury Law, we understand the frustration and uncertainty that crash victims experience after a collision with an uninsured driver. We have secured millions for Louisville crash victims, and there are no upfront costs for our services. Your initial legal consultation is also free.

Justice Injury Law. Experienced Attorneys. Proven Results. Call us today: 502-584-5455

What Is Uninsured Motorist Coverage (UM)?

Uninsured motorist coverage (UM) is first-party coverage that can be used after a crash caused by another driver who does not have insurance coverage. UM coverage allows you to claim compensation for injuries and damages from your auto insurance policy.

UM coverage adds an extra layer of security to your car insurance. Without this coverage, you would need to use other first-party coverage to pay for your damages. If you do not have any other first-party coverage, you may be stuck paying for some of your damages out of your own pocket. Drivers often use their UM coverage after hit-and-run crashes; a type of collision where a driver flees the scene of an accident. Even if the police find the driver, there may not be any coverage. Often hit-and-run drivers flee the scene because they are uninsured. If the police do not find the driver, your only option may be to use your UM coverage.

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What Compensation Can I Recover in a Kentucky UM Claim?

A Kentucky UM claim may provide compensation for the following damages from the collision:

  • Medical expenses: This includes costs for emergency services, hospital stays, surgeries and any ongoing medical care.
  • Property damage: UM insurance primarily provides coverage for bodily injuries, however, some policies may cover damage to your vehicle.

An important note worth mentioning is that Kentucky allows drivers to stack uninsured motorist coverage. For example, say you have two vehicles insured under the same policy. If you have $25,000 per person and $50,000 per accident on both vehicles, your coverage would increase to $50,000 and $100,000.

It is a good idea to review the terms of your insurance policy with an experienced Louisville car accident lawyer. He or she can determine how much coverage you have available and what damages you may be eligible to claim. An attorney can also determine if stacking is an option that is available to you in your situation. Kentucky has strict requirements for when crash victims can stack insurance to increase their coverage.

Contact Justice Injury Law to discuss your potential legal options: 502-584-5455 .

How Much Time Do I Have To File a UM Lawsuit?

Most auto accident cases are not resolved via a lawsuit. Most of the time, the victim and his or her attorney can settle with the liable insurance company. Kentucky’s no-fault insurance system also limits your ability to file a lawsuit over a car accident.

If you are in a situation where a lawsuit is allowed, you have two years to file it. This is Kentucky’s statute of limitations for car crash lawsuits.

Two years sounds like plenty of time, but it is best not to wait to call an attorney to find out if he or she can assist you. It is also important to note that attorneys need time to build a case.

What To Do if You Get Hit By an Uninsured Driver in Louisville?

If you get injured in a crash and the driver does not have insurance coverage, there are several steps you should take to protect your interests:

  • Move your vehicle away from traffic to avoid a second collision that could cause further injury.
  • Call 9-1-1 so first responders can be dispatched to the scene.
  • Exchange insurance and contact information with the other driver.
  • Gather evidence from the scene, if you will not be putting yourself in harm’s way or making your injuries worse. If possible, take pictures of your vehicle and the other driver’s vehicle, crash debris and other things that help to document the scene.
  • Get to the hospital after talking to the police. You need immediate treatment to diagnose any injuries and to help connect those injuries to the collision.
  • Consider contacting an experienced lawyer to discuss your legal options.

Contact Us To Discuss Your Legal Options

The experienced attorneys at Justice Injury Law understand the complexities of uninsured motorist claims. You do not need to go through the legal process alone, we can guide you each step of the way. There are also no upfront costs with our services. If you or a loved one has been involved in a crash with an uninsured driver in Louisville, Kentucky, contact us to explore your options. Our focus is on securing the compensation you need to put your life back together after this unexpected and devastating situation. The initial consultation is free and there are no costs while we work on your case.

Call Justice Injury Law today to discuss your situation and how to move forward. Phone: 502-584-5455 .

Does Kentucky Require Drivers To Purchase Uninsured Motorist Coverage?

You might get the wrong idea when you hear that Kentucky does not require drivers to purchase UM coverage. Technically this is true. However, Kentucky requires insurance companies to offer this coverage, and drivers can only reject this coverage in writing.

While UM coverage is technically not required, most drivers who have insurance have this coverage.

The minimum amount of coverage is $25,000 per person and $50,000 per accident, although you can increase coverage if you choose.

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