Navigating Insurance Issues After An Accident

Many people find dealing with insurance companies to be one of the most frustrating aspects of an accident. At Wilhoit Law Office, we agree. Interpreting insurance policies, understanding Kentucky's insurance laws and dealing with claims adjusters can be overwhelming. That is where we come in.

Our lawyers will sit down with you, review the policies involved and the facts of your case, and communicate directly with claims adjusters on your behalf. We have extensive knowledge of Kentucky's insurance, fault and injury laws — and we know how to make those laws work in your favor.

What Do I Do If I'm Injured By Someone Who Is Uninsured Or Underinsured?

Drivers are required to have insurance in Kentucky — unfortunately, not everyone obeys this law. Even those who do may not purchase enough insurance to cover damages in a serious accident.

State law requires drivers to carry $25,000 in liability coverage for bodily injury damages and $10,000 in property damage coverage.

If you were injured in an accident with an uninsured or underinsured motorist, the first step is to look at your own insurance policy. If you purchased an uninsured motorist (UIM) policy, then your insurance company will pay your claim. If you purchased numerous UIM policies, you may be able to stack them to obtain greater compensation.

What Is 'No-Fault' Insurance?

In Kentucky, fault dictates how much compensation you can recover after an accident. However, drivers are required to carry personal injury protection (PIP). PIP acts as "no-fault" insurance, reimbursing drivers up to $10,000 in medical expenses and lost wages regardless of who is at fault.

Contact Our Firm For More Information

Insurance issues can be complicated. To learn more about your options for compensation and how the various insurance policies and laws will impact your case, contact our firm. Call 606-474-8833 for a free consultation with one of our attorneys. All accident cases are handled on a contingency basis. That means you won't pay us until we've secured compensation for you. Our office is in Grayson.