A car accident can change your life in an instant and leave you with serious injuries. When another driver causes the crash and only carries Kentucky’s mandated minimum insurance, the coverage may not be enough to cover all your expenses. Understanding why these limits often fall short and how you can protect yourself is key to ensuring a full recovery.
Why state minimums are not enough
Many drivers in Kentucky only carry the minimum liability insurance, which is $25,000 for personal injury claims. For a severe injury that requires surgery, physical therapy and months away from work, this may not even cover your initial hospital stay or your lost wages.
How UIM coverage can be a financial lifeline
Underinsured Motorist (UIM) coverage is the protection you purchase for yourself if the at-fault driver does not have enough insurance to cover your losses. If the other driver’s policy limit runs out after a serious accident, this add-on can take effect to help pay for the remaining damages.
If your injuries keep you out of work for six months or more, having UIM coverage may help pay back lost wages while you recover. This can help you cover household bills so you can focus on rehab, treatment and getting back to normal. Checking your insurance declarations page can confirm if you have UIM coverage. You can also review your limits to ensure they match your current income and financial responsibilities.
When adequate recovery demands better coverage
If you were a dedicated runner or hiker before the crash, getting back to those activities often takes focused physical therapy and more advanced medical treatment. UIM coverage can help with more than basic costs. It may also provide the funds you need to get the best medical care available, so you can safely return to your previous lifestyle.
Prioritizing your recovery
Your ability to recover from a life-altering accident should never be limited by the other party’s insufficient insurance. Your policy’s UIM coverage can put you in control and protect your finances and long-term health after a crash. A lawyer can help you explore your UIM options and guide you through the claims process.