Car accidents are obviously not planned, they happen with the blink of an eye. You could be headed to work, to pick up your kid from school, a road trip, etc. when you are either hit by a car or hit someone's car. Accidents happen all the time, which is why it is important to have car insurance. It is even more important to have uninsured and underinsured motorists' coverage for when the other driver does not have enough car insurance to pay for the damages. Imagine being in a car accident where your car was totaled, and the at-fault driver only carries the minimum amount of liability coverage, you are going to want underinsured motorist coverage.
This extra insurance is not required in Kentucky, but drivers can benefit from it. Underinsured motorist coverage (UIM) is a three-part insurance coverage known as “uninsured motorist” (UM). Findlaw.com list them as:
Purchasing some form of UIM coverage will be very beneficial if you are in an accident with someone who is underinsured or uninsured. It will help you obtain and pay for all damages that resulted from the accident. Another important yet difficult aspect of car accidents and insurance is how to decide who is at fault in the accident. You must proclaim who is at fault before insurance claims are brought forth. Findlaw.com describes the four basic levels of “fault”:
If you believe that you are at-fault or not in a car accident and are not sure what to do, call us at 502-414-8302 and have your case reviewed by one of the Dixie Law Group's experienced attorneys. Your first consultation will be 100% free of cost.
We work closely with our clients and offer vigorous representation both in and out of the courtroom. If you would like to learn more about our services, please reach out to our office today.
You can contact our lawyers in Louisville at 502-806-8711 or contact us online. Initial consultations are always free.