Insurance policies are very long and complicated in Kentucky. You must know what questions to ask your agent so you know what coverage you have. There are many different situations that can happen and there is little uniformity in auto insurance policies. Some insurance companies have a “Contact Rule” in which there must be contact with the at-fault driver in order for there to be a recovery from your Uninsured Motorist Coverage. The only way to know what coverage you have is to read the policy given to you by your agent. You could also ask your insurance agent to explain it to you. Then you can call your attorney.
For additional information on this subject, see my article called, "What Happens If A Car Almost Hits Me And Causes Me to Hit Something Else?"