Do I have to be in my car in order to access my uninsured or underinsured motorist benefits after an accident in Kentucky?

A: Depending upon your insurance policy specifics, you may be able to access your uninsured motorist (UM) coverage as a pedestrian. If you've been involved in any kind of accident in Kentucky, whether you were in or out of your vehicle, you should contact a Louisville personal injury attorney to get your questions answered about UM insurance in Kentucky.

UM insurance covers damages from an accident in which the other driver has no insurance or insufficient coverage. The benefits UM coverage brings is well worth the cost of coverage in the event of an unfortunate accident involving an uninsured driver.

If you were injured in an accident while you were not in your vehicle, you may be able to use your UM insurance in Kentucky. Many insurance companies offer pedestrian coverage on UM insurance as an incentive for signing up. You'll have to check with your insurance company to see exactly what your policy covers.

Uninsured or underinsured motorist benefits generally consist of 2 components: 

• Bodily Injury - this coverage generally pays for medical expenses for you or others driving your car.
• Property Damage - this coverage will pay for damages to your car in the event that the other driver doesn't have adequate insurance to cover the damages. 

If you've been involved in an accident in Kentucky as a pedestrian, you'll want to contact your insurance company and see if pedestrians are covered as part of your UM insurance. You should also enlist in the help of a Louisville personal injury attorney who can help you work with the insurance companies and get the compensation to which you're entitled.

Contacting a Louisville Personal Injury Attorney

You may be able to use your UM insurance in Kentucky after an accident in Kentucky, depending upon the specifics of your policy. A Louisville personal injury attorney at Gray and White Law can help you handle every aspect of your Louisville accident 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.

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