UM COVERAGE – Should you have it?

If someone hits you in Kentucky, there’s about a16% chance that the person doesn’t have car insurance.

Uninsured Motorist Coverage or UM in included in all new Kentucky car policies sold.

 If you’re in a wreck with an uninsured driver and you’re injured, you can make a claim on your uninsured motorist policy for your injuries.

The only way you will not have UM coverage is you reject it in writing.  Don’t ever do this.  It costs very little and is invaluable.

UIM COVERAGE – Should you have it?

UIM or Underinsured Motorist Coverage protects you in case you are injured in a wreck by someone else who has insufficient insurance coverage to cover your loss.

Most drivers in Kentucky have the minimum insurance required, which is a maximum of $25,000 for the injuries of a single person.

If you’re seriously hurt in a car wreck, your medical bills alone could easily be more that $25,000.

NO FAULT STATE – What is a no fault state?

Kentucky is a no fault state.  This means that regardless of who is at fault in a wreck, the insurance on the car you are in will pay medical bills and lost wages up to $10,000.00.

You can buy more than $10,000.00 to cover medical bills and lost wages – this piece of car insurance is called personal injury protection benefits (PIP).

PIP INSURANCE – What is (PIP) – personal injury protection?

Personal injury protection insurance in Kentucky provides coverage if you are in a motor vehicle wreck.  PIP pays for medical expenses, lost wages, and other costs related to your injuries no matter who is at fault.