Wilhoit Law Office | Experience That Gets Results Established 1867
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Wilhoit Law Office | Experience That Gets Results Established 1867

Experience you can trust – a local practice reaching back five generations

Ashland Uninsured And Underinsured Motorist Claims

If you suffered injuries in a car accident caused by an uninsured or underinsured driver in Ashland, Kentucky, you may wonder how you will pay your hospital bills and cover lost income. Many Kentucky drivers carry just the state minimum coverage or drive without any insurance at all, leaving injured victims struggling to recover compensation. Fortunately, your own auto insurance policy may provide the compensation you need through uninsured motorist (UM) and underinsured motorist (UIM) coverage.

Understanding how these claims work can make the difference between receiving fair compensation and being left with mounting debt. Here at Wilhoit Law Office, our Ashland personal injury lawyers help car accident victims navigate UM and UIM claims when the at-fault driver cannot pay for the damages. Learn more about our car accident services.

How Uninsured And Underinsured Motorist Coverage Works In Kentucky

Under Kentucky law (KRS 304.20-020), auto insurance policies automatically include uninsured motorist (UM) coverage unless rejected in writing, whereas underinsured motorist (UIM) coverage is optional under KRS 304.39-320 and provided only upon request. This coverage kicks in when the driver who caused your car wreck has no insurance or carries limits too small to cover your injuries.

UM and UIM claims apply in several common situations:

  • The at-fault driver has no auto insurance
  • The at-fault driver’s policy coverage is too low to cover financial obligations caused by the accident
  • A hit-and-run driver escapes the scene before you are able to identify them
  • The at-fault driver’s insurance company denies the claim or goes out of business

Your own insurance company pays these claims, but insurers often fight hard to minimize payouts or deny coverage altogether. They may claim your injuries are not as severe as you say, argue that you share fault for the accident or dispute whether the other driver truly lacked adequate coverage.

A personal injury lawyer can gather evidence to prove the full extent of your injuries, establish the at-fault driver’s lack of insurance and negotiate aggressively with your own insurer to secure the compensation you deserve.

Get Help With Your Ashland Uninsured Motorist Claim

Injured in a car wreck with an uninsured or underinsured driver in Ashland, Kentucky? Our attorneys fight to maximize your UM and UIM recovery. We offer a free consultation to review your case and explain your options. Call Wilhoit Law Office today at 888-815-7968 or contact us online for more information.