When a vehicle collision leaves you seriously injured, you probably expect the other driver’s insurance to cover your damages. Unfortunately, not everyone has sufficient coverage and some may not have insurance at all.
Uninsured or underinsured motorist coverage can help fill these gaps. Knowing how to proceed with your claim can improve your chances of receiving the compensation you deserve.
How uninsured and underinsured coverage works
Kentucky requires minimum liability coverage, but many motorists carry limits that fail to cover serious injuries or extensive damage. Uninsured motorist (UM) and underinsured motorist (UIM) coverage helps pay for losses such as medical costs, lost income and vehicle repairs when the at‑fault driver lacks adequate insurance.
Situations that trigger UM and UIM claims
While each vehicle accident is unique, several common circumstances can lead to UM or UIM claims. Here are some examples:
- A driver carries no active insurance
- A driver carries insurance that fails to cover all losses
- A driver flees the scene and cannot be identified
Having UM and UIM insurance coverage opens another pathway to compensation when traditional avenues are closed. However, you must still protect your rights even when dealing with your own insurer.
What if you lack UM/UIM insurance?
Since Kentucky does not require this coverage, you may be wondering if other options exist. You may have the right to pursue a claim directly against the uninsured driver, but financial recovery depends on the value of their assets. Another possibility is to determine whether a vehicle defect or third-party negligence played a role in the crash.
If you need help with a UM/UIM claim or want to explore your options, a knowledgeable legal perspective can help you decide how to move forward.