Louisville Uninsured/Underinsured Driver Accidents

In Kentucky, car insurance is more than a legal requirement; it’s a safety net, ensuring that all parties involved in an accident have recourse to recover damages. However, not all drivers uphold this responsibility, leaving you in a precarious position if an accident occurs.

At Sam Aguiar Injury Lawyers, we can help you navigate the aftermath of a collision involving an uninsured or underinsured driver. From negotiating with insurers to filing a lawsuit in civil court, you can trust our Louisville car accident attorneys to fight for the compensation and justice that you deserve after your Louisville car accident.

Why Choose Our Uninsured/Underinsured Driver Attorneys?

  • With millions of dollars recovered, our attorneys are dedicated to securing full and fair compensation for our clients. We will fight for you every step of the way.
  • Accidents with uninsured drivers can raise lots of legal questions. Our firm will be available 24/7, 365 to help you navigate these complexities.
  • Our no-win, no-fee approach is designed to limit your out-of-pocket expenses. If we do not secure a settlement for you, you will not be charged legal fees.

Kentucky’s Insurance Laws and Penalties

Kentucky mandates that all vehicle owners and operators carry both liability insurance and Personal Injury Protection (PIP) insurance to ensure financial responsibility in the event of an accident. Drivers must hold the following minimum amounts of coverage:

  • $25,000 for individual bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property damage
  • $10,000 per person for Personal Injury Protection (PIP)

However, in the event of an injury, these insurance minimums will likely be insufficient to cover the losses that the injured person incurs.

Your Legal Options After an Accident with an Uninsured Driver

If you are involved in an accident with an uninsured or underinsured driver in Kentucky, you still have options available for compensation. You can file a claim under your own uninsured/underinsured motorist coverage, which is mandatory in Kentucky and provides a safety net in these situations. 

All vehicle insurers in Kentucky are required to offer uninsured/underinsured motorist coverage of at least $25,000 for bodily injury per person and $50,000 per accident. However, policyholders may reject the coverage in writing if they choose to.  In this situation, or if this coverage does not meet your needs, you could pursue a personal injury lawsuit against the at-fault driver for the remainder of your damages. Your injury attorney from Sam Aguiar Injury Lawyers can guide you through your options and determine which path is right for you.

Why You Need Sam Aguiar Injury Lawyers on Your Side

When navigating a complex uninsured and underinsured motorist claim, having an attorney on your side can make all the difference. At Sam Aguiar Injury Lawyers, our Louisville personal injury attorneys understand the intricacies of Kentucky’s insurance laws, and how to effectively pursue maximum compensation for our clients. We will fight tirelessly to secure the financial support that you deserve, whether that involves negotiating with your own insurance company or going to court.

Contact Us Today and Begin Building Your Case for Compensation 

Dealing with an accident involving an uninsured or underinsured driver can add an extra layer of stress to an already difficult situation. Sam Aguiar Injury Lawyers can help you understand your options for compensation so that you are not left bearing the financial burden alone. If you’ve been hit by an uninsured or underinsured driver in Louisville, contact us today to learn more about your legal options and initiate the appropriate claim.