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Key Points:

  • If someone else causes an accident, but doesn’t have enough insurance, UM/UIM covers the difference
  • Your own insurance company is on the hook to pay you for your damages
  • On average: 12.5% of drivers do not have insurance

One day, you’re just minding your own business, driving down the road. Then, out of nowhere. . . you’re hit by another driver. Whether that person is driving too fast, running a stop sign, or texting, if they are at fault, they must pay for your injuries. Generally, this is where liability car insurance comes in. Drivers in Kentucky and Tennessee are required to carry minimum liability car insurance coverage. But nationally, an estimated 12.5% of drivers do not have auto insurance. Many, many more drivers have insurance, but carry only the state minimum liability limits. Those limits can be exhausted very quickly in even a moderately serious car accident. If one of those people hits you, you don’t want to be left with unpaid medical bills and car damage. That’s why I always recommend people buy an adequate amount of Uninsured/Underinsured Motorist (UM/UIM) car insurance.

UM/UIM coverage is an essential coverage for you and your family. It is usually inexpensive, and protects you when you are injured by an uninsured or underinsured driver. The way it works is straightforward: When you are hit by an uninsured or underinsured driver, your own insurer steps up to pay for your injuries, even though it was the other driver’s fault.

While the basic concept of UM/UIM coverage is simple, the details of actually pursuing a claim for UM/UIM benefits are not. With issues like stacking, coverage exhaustion, subrogation rights, and statutory notice periods, it is always wise to reach out to a Kentucky or Tennessee personal injury lawyer to discuss your case as soon as possible after a car accident.