Uninsured Motorist Accident Lawyer

What Compensation Can I Recover in a Kentucky UM Claim?

A Kentucky UM claim may provide compensation for the following damages from the collision:

• Medical expenses: This includes costs for emergency services, hospital stays, surgeries and any ongoing medical care.
• Property damage: UM insurance primarily provides coverage for bodily injuries, however, some policies may cover damage to your vehicle.

An important note worth mentioning is that Kentucky allows drivers to stack uninsured motorist coverage. For example, say you have two vehicles insured under the same policy. If you have $25,000 per person and $50,000 per accident on both vehicles, your coverage would increase to $50,000 and $100,000.

It is a good idea to review the terms of your insurance policy with an experienced Louisville car accident lawyer. He or she can determine how much coverage you have available and what damages you may be eligible to claim. An attorney can also determine if stacking is an option that is available to you in your situation. Kentucky has strict requirements for when crash victims can stack insurance to increase their coverage.

Contact Justice Injury Law to discuss your potential legal options: 502-584-5455 .

How Much Time Do I Have To File a UM Lawsuit?

Most auto accident cases are not resolved via a lawsuit. Most of the time, the victim and his or her attorney can settle with the liable insurance company. Kentucky’s no-fault insurance system also limits your ability to file a lawsuit over a car accident.

If you are in a situation where a lawsuit is allowed, you have two years to file it. This is Kentucky’s statute of limitations for car crash lawsuits.

Two years sounds like plenty of time, but it is best not to wait to call an attorney to find out if he or she can assist you. It is also important to note that attorneys need time to build a case.

What To Do if You Get Hit By an Uninsured Driver in Louisville?

If you get injured in a crash and the driver does not have insurance coverage, there are several steps you should take to protect your interests:

• Move your vehicle away from traffic to avoid a second collision that could cause further injury.
• Call 9-1-1 so first responders can be dispatched to the scene.
• Exchange insurance and contact information with the other driver.
• Gather evidence from the scene, if you will not be putting yourself in harm’s way or making your injuries worse. If possible, take pictures of your vehicle and the other driver’s vehicle, crash debris and other things that help to document the scene.
• Get to the hospital after talking to the police. You need immediate treatment to diagnose any injuries and to help connect those injuries to the collision.
• Consider contacting an experienced lawyer to discuss your legal options.