Underinsured/Uninsured Coverage in the Event of a Jefferson County Accident

Not everyone on the road is insured properly; this is simply a fact. There is a possibility that you could be in an auto accident in Jefferson County with someone who is underinsured or entirely uninsured.

There are two different types of Kentucky motorist insurance that apply to these situations.

Uninsured motorist (UM) coverage applies to the scenario that you were in an accident with an individual who does not have insurance. In fact, this person may have caused the accident. This policy will cover your claims from the accident in Jefferson County, up to the limits of your policy. This type of policy can be particularly helpful in the event of a hit-and-run accident.

Underinsured motorists' (UIM) coverage is needed in a similar situation if the driver at fault does not have enough or sufficient insurance to recover the injured party's damages and losses. As with uninsured coverage, your damages will be recoverable up to the limits of your policy.

These policies can be confusing, and insurance companies tend to deny the initial claim because they assume they are illegitimate. In general, and specifically because of this tendency, it is highly recommended that you hire a Jefferson Country accident attorney to handle your case.

A Jefferson County accident attorney can walk you through the process step-by-step, answer any questions you have and give you the best possible results for your claim.

Contacting a Jefferson County Accident Attorney

Making one call could make the process of handling an accident in Jefferson County so much easier. A Louisville personal injury attorney at Gray and White Law can help you handle every aspect of your personal 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.