When a car accident happens, most drivers assume that they will exchange insurance information with the other person involved.
In Kentucky, drivers are required to carry the following minimum insurance coverage:
- $25,000 for the injury or death of one person in an accident
- $50,000 total for all injuries or death resulting from a single accident and
- $25,000 for any property damage arising out of a single accident
If the other driver isn’t insured, however, drivers may have questions about what comes next.
Drivers have the option to purchase uninsured/underinsured motorist coverage through their own insurance policy, which allows them to file a claim if they are in an accident with an uninsured or underinsured driver.
The insurance company then purses a claim against the other driver. This usually will not increase the driver’s insurance rates. However, the insurance company may be interested in closing the claim quickly without adequate compensation or may deny the claim entirely.
Drivers may want to seek the advice of an attorney who can represent their interests and ensure they receive the compensation they are entitled to under the law.
The driver may also suffer significant injuries as a result of the car accident. These can include broken bones, whiplash and even traumatic injuries. The impact can be physical, emotional and financial.
The driver may incur medical expenses and lost wages from time away from work. As a result, he or she may also want to consider filing a personal injury claim against the other driver.
An experienced attorney can evaluate the circumstances of the accident and provide advice.