Why Uninsured Motorist Insurance Matters in Your Louisville Accident (Part A)

One of the most devastating events in your life can be a Louisville accident that results in serious injury. This situation can become even worse if the other driver who was at fault had the minimum required insurance - or no insurance at all. In cases such as these, a Louisville personal injury attorney can help you recover compensation for your damages.

The Rules of Kentucky Car Insurance

Every state has its own laws for the requirement of car insurance and the minimum limits you must have for coverage. In Louisville, the limits are $25,000 for individual bodily injury, $50,000 bodily injury per accident and $10,000 for property damage. Kentucky is also known as a choice no-fault state, meaning each driver will have the right to reject the no-fault system and retain his or her right to file a lawsuit.

If you've been in a serious crash in Louisville, this accident may not be covered by basic car insurance limits. Your own insurance company may refuse the claim and seek payment from the other driver's insurance, but not all drivers carry adequate insurance or carry insurance at all.

In the case of an underinsured or uninsured motorist causing your accident, there is additional insurance coverage you can purchase to increase your protection. In Kentucky, it's common for a Louisville personal injury attorney to suggest that clients purchase the optional uninsured/underinsured motorist coverage.

This additional coverage can be the difference between a fair settlement for your damages and being stuck with remaining medical bills and losses left unpaid due to lack of insurance coverage. In Louisville, accident claims are often filed when the injured party can only claim $10,000 in injury compensation because the other driver only had the minimum insurance. That's a lucky case - if the negligent driver had no insurance, you could face paying all of your medical expenses on your own.

Because you have the right to file a lawsuit against the other driver for compensation, you'll want to contact a Louisville personal injury attorney to help with your case. We continue to explain the importance of uninsured/underinsured motorist coverage and how the car insurance limits can impact your claim in the next section, but an attorney can give you a personal look at your situation.

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