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:

• Am I eligible for property damages as a result of my car accident. What damages can I recover?
• Can I get compensation if the accident was partly my fault?
• Do I have to call the police if I’m involved in a car accident?
• How long do I have to file a claim after a car accident?
• How long do I have to file my claim?
• I was in a car crash recently, and the other driver’s insurance adjuster contacted me wanting to talk about the accident. Should I speak to him?
• I was involved in a car accident, what should I do first?
• I was involved in a hit-and-run accident, can I still get compensation?
• I’m facing a lot of bills and other expenses as a result of being in a car accident. What damages can I receive when my case is resolved?
• Is my car accident claim going to be settled, or is it going to court?
• My car accident was relatively minor, and I don’t think my injuries are all that bad, but my wife says I need to see a doctor anyway. Do I need to see a doctor after a car accident?
• Recently, I was in a crash with two other vehicles. How am I supposed to handle the insurance adjusters?
• Should I accept an insurance settlement right away?
• The accident I was injured in happened at the end of 2017. Is it too late to file a claim now?
• The police took down all my information at the crash scene. Do I have to get that report from them?
• What can I expect from my insurance company?
• What kind of coverage does my insurance company offer?
• Why can’t I handle my own car accident claim?
• Why do I need an attorney after my car accident?