Somerset area drivers don’t ever think they’re going to get into a car accident but unfortunately several do each year. If you get into an accident with someone who doesn’t have insurance, it can be a real problem. Uninsured motorist insurance coverage is crucial for every Kentucky driver.
What is uninsured motorist coverage?
You may have never heard of uninsured motorist (UM) coverage or may think you don’t need it but it can help pay for your medical expenses and car repair costs if you are in an accident with a driver who does not carry insurance. There are two main types of UM coverage.
- Uninsured motorist bodily injury coverage (UMBI). This coverage pays for your medical bills, wages, and pain and suffering after an accident. It can also cover those costs for your passengers. There are usually two limits, per person and per accident.
- Uninsured motorist property damage coverage (UMPD). This coverage pays for repair cost for your vehicle or other property after an accident with an uninsured driver.
To be on the safe side, drivers in Kentucky should have uninsured motorist coverage. Although you may think you will never be in a serious accident, it can happen at any time. An accident can have a tremendous impact on your physical health as well as your finances. Uninsured motorist coverage can help you minimize the expenses of a car accident.
An attorney who specializes in personal injury can help their client understand their options when they have been the victim of a car accident. They can visit the accident scene and interview witnesses, review the police report, and help get the answers their client deserves as to what happened. Compensation may be available for medical expenses, pain and suffering, lost wages and other damages.