Louisville Uninsured Motorist Lawyer
What Happens When The Person Who Hits You, Doesn’t Have Insurance In Kentucky Or Indiana?
So if you hire me, you hire an experienced Louisville uninsured motorist injury lawyer, Jim Desmond. I have been practicing as an uninsured motorist accident attorney in Louisville, KY for over 20 years. I can help you sort out just what your legal rights are in regard to property damage claims, no-fault claims, ERISA claims and claims for pain and suffering. As a personal injury lawyer, I am dedicated to helping people involved in auto wrecks and motorcycle wreck victims attain the maximum amount of compensation available. Unfortunately, that is all the law allows me to do; obtain money for the damages suffered by my personal injury client. However, what do you do when there is not any insurance or enough insurance to cover the damages you incurred from the car wreck? You usually contact a Louisville car accident lawyer to understand the Louisville uninsured motorist law. This is where uninsured and underinsured motorist coverage comes into play. An experienced car accident attorney in Louisville KY understands the Louisville uninsured motorist laws very well. This is why it is advised to contact an uninsured motorist accident attorney to get you the underinsured motorist claim settlement you are entitled to.
UNINSURED MOTORIST COVERAGE
HAVE LOTS OF IT!
PRAY YOU NEVER HAVE TO USE IT!
THANK GOD WHEN YOU DO USE IT!
An uninsured motorist is someone who does not operate his vehicle without at least the state minimum in insurance coverage. Uninsured Motorist coverage lets you make a personal injury claim against your own automobile insurance carrier for the injury damages caused by the at-fault driver if they were uninsured when the car wreck occurred. Seeking help from an uninsured motorist accident attorney is advised in such cases.
Let’s put that in English. If the guy that hits you violates Kentucky and Indiana law by driving around without insurance, we can still recover on your personal injury claim. We just need to make that injury claim against your own car insurance and they then act like they ensure the deadbeat that hit you.
So when I am evaluating a personal injury claim, I have to determine if the at-fault driver is truly uninsured. A car can be legally insured through a variety of ways. Automobiles can have liability insurance through the owner or the driver. If both the owner and driver of the vehicle are insured with different companies, usually the insurance on the motor vehicle is primary and the insurance on the driver provides excess coverage should that first insurance policy be exhausted. As a result, when I am looking for liability insurance so I can recover on my client’s personal injury claim, I need to be sure that both the owner of the vehicle and the driver were uninsured and that they were also not covered through an employer’s insurance policy also.
For an uninsured motorist claim, your insurance company evaluates your personal injury claim just as they would the injury claim of a third-party, a person they do not insure. They may or may not offer to settle your personal injury claim and they are not going to pay you a higher amount just because you claimed their insurance. However, whatever money they settle your personal injury claim for, they will sue the at-fault driver in an effort to recover. Whatever your case, make sure you discuss it with a Louisville car accident lawyer.
Why is Uninsured Motorist Coverage So Important?
I recommend that motorcyclists carry at least $100,000 of uninsured motorist coverage because for example, I have seen cases wherein the air ambulance bills alone total over $26,000. If you are not sure how the Louisville uninsured motorist law works, call my office to speak with an uninsured motorist accident attorney. Numerous people and clients have contacted me for their underinsured motorist claim settlement in Louisville KY.
Can You Reject Your Uninsured Motorist Coverage?
Yes, legally you can reject this type of insurance coverage but, I would never, never, never recommend it!!! Instead, make sure you specifically ask for this insurance coverage and never sign anything wherein you are waiving this type of automobile insurance coverage. In short, if you don’t have this insurance coverage, you may save yourself a couple of hundred dollars a year for a huge risk to you and your family. In the event of a serious motorcycle crash, you could owe thousands in medical bills, for an accident that was not your fault, just because you tried to save several hundred dollars. Make sure this is not the case with you. Contact a Louisville car accident lawyer to understand the Louisville uninsured motorist law in Kentucky. Our uninsured motorist accident attorney offers you a Free Consultation.
On a side note, I pay for this extra insurance coverage by increasing the deductible on my automobile policies to $1,000 instead of $250. The idea being I can afford $1,000 much more than I can afford a $10,000 medical bill.
How Much Uninsured Motorist Coverage do you need to Purchase?
The amount of the coverage depends upon your financial needs and how much you can afford. I would suggest you discuss this issue with your insurance agent and also with an uninsured motorist accident attorney. However, I reasonably recommend that everyone carry at least $100,000 per person in uninsured motorist coverage. My reasoning being that if you do not have health insurance, this amount gives me the greatest chance of getting your medical bills paid should you be involved in a serious automobile accident. Recall that I am trying to make sure that you are protected when the car wreck results in surgery, loss of limbs or hospitalizations.
Examples of Cases Where Uninsured Motorist Insurance Made a Big Difference for My Client
Further, Uninsured Motorist Coverage protects you in the case of a hit and run accident. If the at-fault driver rear-ends your vehicle and then speeds off, you can make a claim for your pain and suffering through the uninsured motorist coverage on your own automobile insurance. However, in the instance of a hit and run driver, the case law and/or the insurance policy generally requires that there be evidence of physical contact, direct or indirect, between the phantom vehicle and your car. Whatever your case, make sure you have an experienced car accident attorney by your side to get you the underinsured motorist claim settlement you deserve.