Uninsured & Underinsured Motorist

Every accident is distressing, but being injured by an uninsured or underinsured motorist adds the stress of not knowing how you will cover medical bills, vehicle damage, or lost wages. You have options — and we can help you pursue them.

Your Rights Against Uninsured Drivers

While it may be possible to recover some damages directly from the uninsured/underinsured motorist, few people have the resources to pay without insurance. Your own insurance policy's uninsured motorist (UM) or underinsured motorist (UIM) coverage may apply — however, insurance companies seek to minimize payments. You need an experienced attorney who can guide you through the process and fight for the maximum compensation possible.

How UM/UIM Coverage Works

• Uninsured Motorist (UM) — covers injuries when at-fault driver has no insurance
• Underinsured Motorist (UIM) — covers the gap when at-fault driver's limits are too low
• Hit-and-run accidents may also qualify for UM coverage
• Your own insurer may dispute or minimize your UM/UIM claim
• An attorney can negotiate on your behalf to maximize your recovery

Damages

Injured parties may be able to receive compensation for past, present, and future medical bills, lost wages from time off work, diminished capacity to earn, and past and future pain and suffering.

Punitive Damages

In some instances, Kentucky law also allows juries to award punitive damages meant to punish intentional or grossly negligent behavior.