It's a nightmare scenario for Kentucky drivers: An auto accident occurs and you get hurt. The other guy says that he doesn't have insurance. What are your options for getting your medical care, lost wages and damage to your car covered?
Kentucky uninsured vehicle laws
It is illegal to drive without insurance in Kentucky. Kentucky cops are actively targeting anyone driving without a license plate and the state will revoke the auto registration for any car if the driver lacks auto insurance.
While the state's dedication to enforcing auto insurance regulations is admirable, it's "too little, too late" if you have already been injured by an uninsured motorist. You may want the at-fault driver to stay off the road. But what you need is compensation to pay for your medical care, lost wages and other losses.
Ways to get compensation if you are in an accident with an uninsured or underinsured driver
If you have uninsured motorist coverage on your policy, this is the fastest way to get compensation. This allows you to file a claim with your insurance company. Your auto insurer will then pay for your medical bills and property damage. If the other driver had some insurance but not enough to cover your damages, you can file an underinsured driver claim with your insurer. If you lack this coverage, you can sue the driver -- but you must cover your care out of pocket in the meantime. A lawsuit can resolve your pain and help you find peace with what happened while helping you get financial compensation for the injuries, distress, and damages.
Consider speaking to an injury lawyer
Finding out that the driver who hit you is uninsured or underinsured can be very stressful. Many people find it helpful to retain a Kentucky personal injury lawyer who can represent them in a lawsuit or during the insurance claim process.