Charges were filed this week for a hit and run driver who injured a father and son last month.  The Shelby County Sheriff’s Department charged the man with leaving the scene of an accident, failure to render aid, and failure to maintain insurance.

The July 17 car accident seriously injured the father and son who were riding a motorcycle.  The hit and run driver crossed the center line and hit the father’s motorcycle head-on.  Both the father and son suffered serious, potentially life altering injuries as a result of this accident.  We are thankful the driver who caused the accident has been identified, apprehended and charged.  However, this accident raises several important issues for all of us who share the road.

Who will pay the substantial medical bills and other expenses of the father and his son?  According to reports, the hit and run driver is uninsured.  Uninsured Motorist/UnderInsured Motorist or UM/UIM coverage is one of the most important components of Kentucky automobile insurance policies.  UM/UIM coverage on your own automobile insurance policy may cover medical bills and other expenses which result from an accident in a hit and run, where the other driver has the state minimum, or no insurance coverage at all.

HLH has consistently recommended its clients, and all motorists, in Louisville and across the State of Kentucky to maximize the coverage of this important portion of your policy.  Serious injuries, like the injuries to the father and son in this accident, not only result in huge medical bills but cost your family in many other ways.  How will you replace the income lost while you are forced to be off of work?  How will you have enough to ensure you can receive the ongoing treatment needed down the road?

UM/UIM is the primary source of recovery in these cases.  It is relatively inexpensive to increase this coverage to the maximum amount under your policy, and this is some of the best insurance you can buy.

The case of this hit and run driver who injured a father and son last month reminds all of us to review our auto policy and ask our agent how to maximize UM/UIM coverage.  If you or someone you love is injured in a motor vehicle accident we invite you to contact HLH or call (866) 583-9701 for a free consultation with one of our experienced personal injury attorneys.