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What are Uninsured and Underinsured Coverages and Why Should You Review Your Auto Policy?

What are Uninsured and Underinsured coverages and why should you review your auto insurance coverage?  The primary source of financial recovery for property damages and injuries sustained in a motor vehicle accident is the insurance of the responsible party or parties.  Kentucky requires all drivers to carry at least the minimum amount of automobile insurance, but almost 10% of drivers simply don’t.  A substantial percentage of Kentucky drivers elect the minimum coverage or lower levels of coverage on their policies as a matter of budgeting.

What happens when you are hit and injured by a driver without insurance?  Who will pay for your medical costs and other expenses related to a car accident if the other driver has the minimum coverage required by Kentucky law?  What happens when their coverage is not high enough to cover the severity of the injuries you have been forced to endure?

There is a section on most automobile insurance policies known as UM/UIM.  This stands for Uninsured Motorist / UnderInsured Motorist.  The cost of this portion is a relatively small portion of the amount you pay for auto insurance but it may be one of the best types of insurance you can purchase.  HLH recommends all Kentucky drivers to maximize the amount of UM/UIM coverage on their automobile polices to provide additional coverage when the responsible driver’s coverage is lacking.

What are Uninsured and Underinsured coverages going to cover for victims of a hit and run?  UM/UIM also covers property damage and injuries caused by hit and run drivers, as well as injuries you might sustain as a pedestrian or while riding your bicycle.

Unfortunately, when a person contacts their insurance company regarding a UM/UIM claim they are often surprised by the cool response they receive.  It is even more disheartening when your own insurance company attempts to minimize the settlement associated with your case.

One of the reasons it is so important to contact HLH after an accident is to ensure you receive full and fair compensation from all available sources of insurance associated with an auto accident and resulting injuries.  Call (866) 583-9701 for a free consultation to learn more about HLH and how we can and will help to ensure you receive the compensation you deserve.

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Louisville’s Most Established PI Firm

Hargadon, Lenihan & Herrington, PLLC

231 Breckenridge Lane, Suite 201
Louisville, KY 40207
Telephone: (502) 583-9701
Toll-Free: (866) 583-9701
Fax: 502-589-1144
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