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

Obtaining Uninsured/Underinsured Motorist Coverage

When choosing coverage and limits on your auto insurance policy, it may be beneficial to consult with a Louisville personal injury attorney. After handling numerous cases in Louisville of accident injuries and damages, attorneys know how important adequate insurance coverage can be.

Part of Kentucky car insurance law states that when you purchase car insurance for your personal vehicle, you must knowingly reject the uninsured motorist coverage. When you build your policy, you will be asked whether or not you choose to waive the uninsured/underinsured motorist coverage. You can usually consult with an agent or customer service representative to determine how much of a cost difference this coverage will create.

Many drivers decide to drop this coverage to save money, but imagine the cost of a serious accident and then imagine having to pay for it all yourself. In most cases, having the additional coverage is worth the small increase in your insurance payment.

Insurance Advice from a Louisville Personal Injury Attorney

An average Louisville accident resulting in serious injury will create medical expenses well over the minimum insurance coverage of $10,000. That amount might cover a few days in the hospital, but it definitely won't be able to handle any long-term needs like additional treatment, therapy and lost wages.

Even though we think that we'll never be in a serious accident, it does happen, which is why your Louisville personal injury attorney is here to help victims of driver negligence recover compensation. If you have uninsured/underinsured motorist coverage, you'll find it easier to recover some compensation through your insurance claim, then your Louisville personal injury attorney can help you determine if you need to seek more through a lawsuit.

When another driver's negligence causes you to be seriously injured in Louisville in an accident, you shouldn't pay for those injuries and damages alone. Your right to seek compensation can be helped by working with a Louisville personal injury attorney.

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.

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