Were You Hit By An Uninsured Driver? I Can Help.
Most car accident claims are settled by receiving compensation from the negligent driver’s insurance company. However, what do you do if you are hit by an uninsured or underinsured driver? If they cannot afford auto insurance, it’s unlikely that person will have sufficient net worth from which to pursue compensation.
One of your first moves should be to contact an experienced lawyer like me at Salyers Law, PLLC, of Shelbyville and Frankfort, Kentucky. I am skilled at locating any source of potential compensation that can give you peace of mind and allow you to focus on your recovery.
Call Me Before You Pay Your First Doctor’s Bill
In Kentucky, it’s important to remember that many people carry personal injury protection (PIP) or “no-fault” insurance coverage. If you have this coverage, it will pay for the first $10,000 in losses from your accident. Many drivers also carry uninsured/underinsured driver coverage to provide for losses in a situation like this.
I am exceptionally skilled at coordinating insurance coverage to ensure my clients’ needs are met, and they can get the medical treatment they need. To take advantage of this, you need to contact me before you pay any medical bills.
Unfortunately, even your own insurance carrier may try to unfairly deny or dispute your claim. I will handle these matters much the same way as I do traditional car accident claims, by conducting a thorough investigation to uncover the facts and leveraging my extensive trial experience to send the message that you take your rights seriously.
Frequently Asked Questions On Uninsured Drivers
Being in a car accident is stressful enough, but when the other driver does not have insurance, it adds a new layer of confusion. Below are answers to some of the commonly asked questions about car accidents involving uninsured drivers in Kentucky.
What should I do if I have been in an accident with an uninsured driver in Kentucky?
First, try your best to make sure everyone is safe and call 911 to report the accident. Even if the other driver does not have insurance, a police report is essential for any insurance claim or legal action.
Then, gather evidence at the scene, including photos, contact information and witness statements. Report the crash to your insurance company as soon as possible and consider contacting an attorney, especially if you have been injured or suffered property damage.
Can my insurance coverage help if I am involved in an accident with an uninsured driver?
Yes. Most auto insurance policies in Kentucky include uninsured motorist (UM) coverage unless you specifically decline it in writing. This coverage helps pay for injuries and other losses if you are hit by a driver without insurance.
You may also have collision coverage, which can help with vehicle repairs regardless of who was at fault. Your policy might even include medical payments coverage, which can assist with hospital bills and other medical costs.
What are the penalties for driving without insurance in Kentucky?
Driving without insurance is illegal in Kentucky. First-time offenders can face:
- Fines between $500 and $1,000
- A 90-day license suspension
- Up to 90 days in jail
Repeat offenses carry harsher penalties, including steeper fines and longer suspensions. Authorities may also impound your vehicle and require proof of insurance before reinstating your registration and license.
Will my insurance rates increase if I am involved in an accident with an uninsured driver?
Generally, your insurance rates should not increase if the accident was not your fault and you are using your uninsured motorist coverage.
However, it is best to check with your provider, as individual policies and circumstances vary.
Schedule Your Free Consultation At My Shelbyville Or Frankfort Office
To learn more about how I can help you get the compensation you need to aid in your recovery, schedule a free consultation at my offices in Shelbyville or Frankfort by sending me an email, by calling me at 502-885-5404 or texting me at 502-255-8106. I make home and hospital visits when necessary for my clients.