Protect Yourself: Don’t Reject Uninsured Motorist Coverage in Kentucky

When you go to purchase your Kentucky car insurance policy, you are automatically enrolled in the uninsured/underinsured motorist coverage. You must knowingly reject or reduce this coverage by filling out the appropriate paperwork, so there's little reason not to have this coverage.

Many drivers attempt to save money by rejecting this coverage. This is done by signing a waiver stating you knowingly reject the uninsured/underinsured motorist coverage. This extra coverage can be the difference between an adequate settlement and being left to pay your own medical expenses.

Imagine you suffered a serious neck injury after being struck by another driver running a red light. You spend a few days in the hospital, have surgery to repair a neck vertebra, and are unable to return to your job for a month as you recover and undergo physical therapy. Not only have you accumulated hospital and therapy bills, but you've also been unable to work and earn an income.

Considering the scenario above, $25,000 may sound like a lot of money to cover an accident, but that's barely going to make a dent in your losses. If the other driver had no insurance at all, you'll have nothing to work with when trying to cover your accident damages.

There's more to uninsured/underinsured motorist coverage that you need to know before you buy or renew your Louisville auto insurance. Our Louisville personal injury attorneys can help you when it becomes necessary to file a claim or lawsuit after a serious accident. 

Contacting a Louisville Personal Injury Attorney

Understanding how car insurance coverage and limits can affect your Louisville accident claim is important to seeking a fair settlement. A Louisville personal injury attorney at Gray and White can help you handle every aspect of your Louisville accident injury claim. If you've been injured in Kentucky, contact us today for a free evaluation of your case - 1-800-634-8767 or 1-502-210-8942.