Experienced Florence Uninsured Motorist Lawyer
Every driver in the state of Kentucky is required to by law to carry a minimum of $25,000 in liability coverage on their vehicle.
Unfortunately, an increasing number of vehicles on our state’s highways and interstates are uninsured or underinsured, leaving you at tremendous risk in the event of a collision.
If an uninsured driver is responsible for your accident and injuries, it still may possible for you to recover full compensation from the uninsured (UM) portion of your own insurance policy. UM coverage is designed to protect you in the event that no other sources of recovery exist, allowing you to recover for the following potential damages:
- medical bills
- lost wages
- pain and suffering
However, do not make the mistake in believing because it is your own insurance company, the accident claims process will be easy. It does not matter how long you have been with your insurance company, their goal remains the same, even on uninsured claims: Pay the victim as little as possible.
It’s critical that you hire a Florence uninsured accident lawyer to investigate this claim on your behalf. The Dallas & Turner law firm has more than 30 years of experience handling uninsured accident claims on behalf of clients throughout the state of Kentucky.
We work aggressively and passionately to ensure our clients recover fair and adequate compensation from their own insurance company.
Uninsured (UM) vs. Underinsured (UIM) Claims
Unlike an uninsured accident claim where the defendant driver has no insurance to compensate you for your injuries and medical bills, an underinsured claim is filed when a defendant’s insurance policy does not have enough coverage to adequately compensate you.
For example, if you are struck by a driver who carries the state minimum of $25,000, but the severity of your injuries resulted in $35,000 in medical bills, you will be responsible for the remaining $10,000 in the event that you do not have proper underinsured coverage.
In addition to uninsured claims, we have also helped several Florence accident victims recover compensation for their total injuries when it was found the defendant driver had an inadequate amount of coverage.
Filing an Uninsured or Underinsured Accident Claim
There are specific steps and rules a person must take if they wish to file an uninsured or underinsured claim in the state of Kentucky. Simply telling your insurance company that the other driver was uninsured will not be enough to ensure you win your case.
Specifically, the responsibility may rest with you to prove the defendant who is underinsured or uninsured was at fault for the collision as well as prove that the sum total of your injuries and damages exceed the amount of available insurance on the defendant’s policy.
Additionally, before you file either type of claim, you will also need to obtain the policy limits of the at-fault driver’s insurance. Without an experienced uninsured/underinsured accident attorney properly filing an uninsured or underinsured claim on your behalf, you risk losing any potential source of recovery and compensation.
Talk to a Florence Uninsured/Underinsured Accident Lawyer Today!
Helping car accident victims is our primary focus, and working to help you receive compensation when the at-fault party is uninsured or underinsured is a responsibility we take personally.
We have built a strong reputation based on our compassion and personal attention we provide every client, and we believe it is the sincerity we maintain for our clients that translates into results.
To immediately speak one of Dallas and Turner PLLC’s attorneys, dial 859-630-06660. If you prefer to write to us with the details of your potential case, you can use our free contact form.
We look forward to working for you.
"If you have been injured, then you really need to speak with someone who has the experience to talk you through this difficult time. It's never too early to pick up the phone. Give us a call for a free case evaluation today."James Ryan Turner, Experienced Injury Lawyer in Florence, KY