- #Safe auto insurance louisville ky how to
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Once I collect the policy limits from the liability carrier, underinsured motorist coverage allows me to go against your own automobile insurance for whatever damages that were not recovered for.
#Safe auto insurance louisville ky driver
As a result, in this example, the at-fault driver was probably underinsured even if he had $100,000 in insurance coverage.Īs your Louisville underinsured motorist attorney, I would be scrambling to find Underinsured motorist coverage on either your car or motorcycle insurance. Most insurance policies are sold in $25,000 increments until you get over $100,000 in coverage. Actually, in this example, your medical bills alone totaled over $82,000. In Kentucky and Indiana law allow a person to drive around with $25,000 in insurance, not enough to cover your medical expenses much less the other aspects of your claim.
If the at-fault driver is only insured to the extent required by Kentucky or Indiana law, your medical bills alone exceed that insurance coverage. To date, your wife has incurred about $14,000 in medical expenses between the emergency room visit, an MRI and continuing chiropractic care. In total, your bills come up to over $82,000. In the upcoming weeks you receive several other bills from the emergency room doctors, the MRI provider, for a CT scan and from the X-ray physicians.
#Safe auto insurance louisville ky how to
If you are not sure how to proceed in your case, seek help from a Louisville car accident lawyer. However, the key for you is that your insurance company, NOT YOU, bear the risk that nothing can be collected from this at-fault driver. a claim wherein they effectively stand in your shoes for legal purposes. This is known as a subrogation claim, i.e. In its simplest terms, uninsured motorist coverage means that your insurance company acts like the insure at-fault driver and whatever they pay out on your behalf, they sue him to recover that money back. If you ride a motorcycle, the same is true for your motorcycle insurance policy. SO THERE IS NO GUARANTEE THAT THE AT-FAULT DRIVER HAS INSURANCE COVERAGE TO PAY YOUR ALL MEDICAL BILLS, LOST WAGES, OR YOUR CLAIM FOR PAIN AND SUFFERING.įor this reason, it’s extremely important that you have uninsured and underinsured motorist coverage on your own automobile insurance policy. However, do you really understand what this means? Let me translate this for you into “Desmond-ease”, THE AT-FAULT DRIVER HAS MINIMUM MEANS TO PAY FOR YOUR DAMAGES!īoth Kentucky and Indiana law require that a car driver only carry insurance coverage in an amount of $25,000 per person and $50,000 per automobile accident.
#Safe auto insurance louisville ky tv
Why should you maximize the underinsured motorist benefits on your auto insurance policy? We have all heard the TV commercials wherein SAFE AUTO INSURANCE COMPANY advertises minimum insurance coverage for minimum budgets. Or legal advisor for advice regarding your personal circumstances.Underinsured Motorist Benefits, Protection Against “Minimum Coverage for Minimum Budgets” HAVE IT ON ALL YOUR INSURANCE POLICIES! Neither State Farm nor its agents provide tax or legal advice. Which provide banking and insurance products. is a separate entity from those State Farm entities Contact your State Farm agent to confirm discount eligibility. In-app setup with beacon required for Mobile.ĭiscount names, percentages, availability and eligibility may vary by state. A discount may not be available in North Carolina, depending on individual facts and circumstances. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy and any applicable endorsements and state requirements.įor Drive Safe & Save, discounts may exceed 30% and vary state-to-state (New York capped at 30%). Details of coverage, limits, or services may vary in some states. This is only a general description of coverages of the available types of insurance and is not a statement of contract. Representative in the agent's office, or by contacting the State Farm toll-free customer service To make policy changes or request additional coverage, please speak with a licensed Insurance coverage cannot be bound or changed via submission of this online e-mail form or via By continuing, you agree to the terms of the Your consent is not a condition of purchase.
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