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How to Handle an Uninsured/Underinsured Accident Claim

Louisville Attorney Aaron Whaley Can Be in Your Corner - Contact us today

In Kentucky, drivers are required by law to purchase minimum amounts of auto insurance to protect themselves and others when a car accident occurs on state roadways. The law requires all drivers who purchase insurance that provides for $25,000 per person in bodily injury liability insurance along and $10,000 for property damage. However, just because it's the law to carry insurance doesn't mean all drivers are willing to do so. In fact, uninsured driver accidents in Kentucky happen more frequently than many drivers realize.

At the Whaley Law Firm, our Louisville uninsured and underinsured accident attorneys understand it can be especially frustrating and confusing when the driver who hit you either chose not to purchase auto insurance or failed to purchase enough insurance to cover the cost of your accident. You may be facing ambulance fees, emergency room fees, physical therapy and the prospect of skyrocketing medical bills in the future. You may not be able to return to work.

Contact us today with any questions regarding your accident with an uninsured or underinsured driver. We're ready to make things right. Call 866-703-7575 for a free case evaluation with an experienced member of our Louisville law firm.

Dealing with uninsured drivers

You shouldn't have to worry about how to pay for your accident just because the other driver lacks insurance. If you were injured or lost a loved one in an accident involving a driver who doesn't have adequate insurance, you have rights. With the help of a skilled attorney at the Whaley Law Firm, you may be able to pursue compensation for accident-related expenses from your own insurance company.

Due to complex no-fault insurance laws in Kentucky, it is critical to be able to prove the cause of your accident and the extent of your injuries to your own insurance provider. We can gather evidence. We'll analyze police reports and medical records. We can interview witnesses. That way, our firm's experienced attorneys can present the evidence to your insurance provider necessary to ensure you are compensated for long-term costs associated with your accident.

Dealing with underinsured drivers

In other instances, drivers may purchase insurance, but fail to carry enough insurance to cover the cost of your injuries or property damage. If accident-related costs exceed maximum amounts set by Kentucky state law - $50,000 and $15,000 respectively - the driver who caused the accident can be sued for the remaining amount. The Whaley Law Firm can help. Discover the difference we can make. Contact us today. A delay may affect your rights. 

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