Are You Driving Without Uninsured Motorist Coverage?

I was driving home from work yesterday and it was pouring down rain. As the saying goes, it was literally raining cats and dogs. Unfortunately, rain makes the roads slick and dangerous. Everyone is in a hurry to get where they are going, especially on a Friday night. Now, I am not going to harp on safe driving habits, we all know what we need to do to avoid car accidents in the rain. The rain made me think about how many accidents are caused by uninsured drivers, however.

Driving without insurance
Driving without insurance is becoming increasingly common in today’s economic environment. People have to make the choice as to whether to pay for the mortgage or food as opposed to their car insurance premium. More and more accident victims are coming into my office because they have been hit by uninsured drivers. This can be very frustrating or devastating to those people. What do I mean? If you do not carry uninsured motorist coverage on your Kentucky car insurance policy, you may not be compensated for your injuries. This implies even if the accident was not your fault. I know this isn’t fair. You don’t want to think about the negative, but you need to.

Related: Underinsured Motorist Coverage (UIM)

Uninsured motorist coverage
You can control your own fate. Pull the declarations page for your car insurance policy out of the file cabinet or drawer and read it. Take a look at the section that is entitled “uninsured motorist coverage/underinsured motorist coverage or UM/UIM.” If you don’t have this on your policy, call your insurance agent and add it to your policy right now. If you do have it, great! However, I would like you to take this one step further. Take a look at the amount of your coverage. Is this amount sufficient to protect and compensate you and your family if you are in an accident? If your answer is no, call your insurance agent and increase your coverage. You will be surprised at how little the additional coverage will cost. This simple step could save you from financial ruin if you are in a car accident.

As a Kentucky Accident Attorney, I know that being injured in an accident is hard enough. Dealing with an uninsured motorist makes it harder. You need to check your insurance policy and see what your coverage will cover in the event of an accident. This needs to be done before you are in an accident. Doing this step now could prevent a huge headache later.