Kentucky is still recovering from the economic slump brought on by the coronavirus epidemic. As a result of higher unemployment rates across the state, more drivers may be driving without insurance. But what happens if one of these uninsured drivers hits your vehicle and you suffer an injury in the crash? How will you get compensation to pay your medical bills?
Kentucky and no-fault insurance
Kentucky is an optional no-fault insurance state. So, drivers with no-fault auto insurance must have personal injury protection (PIP) as part of their policy. This PIP coverage will cover your injury costs. However, the minimum protection you must carry is only $10,000, not much if you suffer a serious injury. Kentucky drivers also must have uninsured motorist coverage, which will cover up to $25,000 in personal injury costs.
Kentucky also allows those who have uninsured/underinsured auto coverage on two vehicles to stack those policies. So, if you are injured in an accident with an uninsured driver and have $25,000 of uninsured/underinsured coverage on two vehicles (you and your spouse’s), you can stack those two policies together for $50,000 to pay your injury costs.
Getting help with a personal injury claim
If your insurance company offers you a settlement for your personal injury claim, you should consult an experienced attorney. You want to ensure any settlement will cover your full injury, recovery and lost wages if you have to miss work. Often, insurance companies, even your own, offer low-ball settlements to personal injury victims.
An attorney also can help you if your insurance company tries to delay paying your injury claim or tries to avoid paying your injury costs because it claims your injury happened before the accident.
Suffering an injury because of a reckless uninsured driver is frustrating. It can feel overwhelming to deal with getting your vehicle fixed or replaced and recover from your injuries too. With an attorney’s help, you can ensure the process goes more smoothly.