Uninsured/Underinsured Motorist Accidents

Last updated on June 13, 2025

If you were involved in an accident caused by another driver, it is their insurance company that should pay to cover the costs. But what if your costs exceed the total insurance held by the other driver, meaning they are underinsured? Or what if that driver was illegally operating their vehicle without any insurance policy at all?

At a time like this, you need to contact us at Foreman Watson Holtrey, LLP. We are highly experienced Kentucky lawyers who have been named to the Super Lawyers list and received many other forms of recognition. We can work closely with you to help you seek the compensation you deserve, even if the other driver’s lack of insurance coverage complicates the process. Our attorneys offer free initial consultations in Owensboro.

Steps To Take After An Accident

If you get involved in an accident, you should seek medical attention immediately. Be sure to get copies of medical records. Contact the authorities and get a copy of the police report. It is also helpful to take pictures at the accident scene, talk to witnesses and document as much as possible. Finally, consider contacting an attorney.

Filing A Claim: Understanding The UM/UIM Process In Kentucky

The first thing you should do is notify your own insurance company of the crash. You can then gather some of the evidence noted above and file your uninsured motorist (UM) or underinsured motorist (UIM) claim.

If you have uninsured or underinsured motorist coverage as part of your policy, you can think of it as a safety net. This policy kicks in to bridge the gap when the other driver does not have sufficient insurance to cover all of your costs.

There are some potential challenges with doing this. For instance, you will have to prove that the other driver did not have coverage or that the coverage they had was insufficient. This means that your documentation is extremely important in this type of case. The insurance company will want to see exactly what costs stem from the accident. You will need to prove that these costs exceed the policy limits held by the other driver, meaning you need assistance from your own insurance company at this time.

Call For A Free Consultation

Because this process can be complex, it is important to work with an experienced attorney. Just give us a call at 270-446-5879 or use the online contact form to set up your free initial consultation today.