What kind of coverage does my insurance company offer?

What kind of coverage does my insurance company offer?

Since Kentucky is a no fault insurance state, your insurance company could be offering several different options. The coverage you will have depends on the plan you choose when you buy vehicle insurance.

For instance, if your vehicle insurance includes collision coverage, you could conceivably seek compensation for damages to your car from your insurer, whether or not the crash was your fault or not. If the accident was the fault of another driver, your insurer might seek damages from the at-fault driver’s insurance company.

Should you happen to have personal injury protection (PIP) or medical payments coverage (Medpay), your insurer may cover medical costs, within the limits of your PIP coverage, in relation to your injuries and at least 80 percent of lost wages.

If your insurance company provides under-insured (UIM) and/or uninsured motorist (UM) coverage, it is best to take it, as well. Far too often, people involved in accidents find out the at-fault driver does not have enough liability coverage to pay for the damages they cause. Having UIM coverage means your insurance carrier has to make up the damages the at-fault party cannot pay.

Other Car Accident FAQs:

Marty fought for me when the insurance company denied my claim. We sued and got the insurance limits.


Louisville personal injury lawyer