If you get injured by a careless driver, their insurance policy is just the first place to look. Our offices successfully resolved a case for a Louisville woman injured in a 2022 collision on Bardstown Road. We secured the full policy limits from both the at-fault driver’s insurer and our client’s own underinsured motorist (UIM) coverage. This combined approach brought in a recovery that the at-fault driver’s policy alone could never have provided.
Our client suffered serious injuries in a collision on the busy streets of Bardstown Road. While the other driver was clearly at fault, they carried only a minimum liability policy. This is a common problem for both Kentucky and Indiana based drivers. Their insurance provider was quick to offer the full $25,000 policy limit.
For most, this is where the process stops. Medical bills, lost wages, and long-term pain can well exceed small minimum policies. But many victims would assume the $25,000 is the cap on what they can recover. Kemper Law refuses to stop until our clients get their fair settlement.
Understand Your UIM Coverage
Kentucky law allows injured drivers to seek compensation through their own Underinsured Motorist (UIM) coverage. These statutes cover both Underinsured Motorists and Uninsured Motorists. This kicks in when the at-fault driver’s policy cannot cover the full extent of the damages. Because our client had the foresight to carry UIM coverage, we pursued a secondary claim. This allowed us to secure the full $50,000 policy limit on top of their initial payment from the at-fault driver’s insurance.
The total $75,000 recovered is three times what the at-fault driver’s insurance alone would have paid. For those looking to protect themselves from getting less than they are owed, our offices offer three helpful tips.
- Always Carry UIM Coverage
UIM coverage is one of the most affordable and vital protections you can add to your auto policy. It was mad for these scenarios. UIM coverage protects you when others are unprepared.
2. Don’t Stop With The First Check
Policy-limits settlements from at-fault driver’s are only the beginning of the available recovery. Uncovering every potential source of coverage and understanding how to properly execute a UIM claim can change your financial outcome by double or even triple.
3. Call Us Today!
We are professionals at handling UIM claims in both Kentucky and Indiana. If you have been injured in an accident and are concerned that the at-fault driver’s insurance will not cover your losses, let us review your policy to see what other options are on the table.
Feel free to call us at 502-771-0588 or email aaronkemper@lawhelplouisville.com.