Understanding your insurance plan can be a little tricky. While of course we are not insurance salesmen, we have a solid understanding of Kentucky automobile insurance as experienced attorneys, and we can help you better understand which insurance coverage options are good for you and will most help you in the case of an accident.
Continue reading to learn about the different types of bodily injury coverages.
1. Bodily Injury Liability Coverage:
Bodily injury liability coverage generally covers injury to individuals who are injured in an accident which is your fault. If the other driver is at fault, their bodily injury liability coverage will cover your injuries. The minimum amount of bodily injury liability coverage in Kentucky is $25,000.
2. Underinsured Motorist Coverage (UIM):
This coverage takes care of you in the case that you are injured in an accident that is another driver’s fault and their insurance plan can not cover your injury and damages.
This is a coverage plan that we strongly suggest investing in as it can help you prepare for the unexpected.
3. PIP Coverage:
Under Kentucky law, each automobile insurance policy must have a $10,000 limit for Personal Injury Protection (PIP). See our article on PIP for further information.
4. Uninsured Motorist Coverage (UM):
If you are involved in an accident with a person who is driving uninsured, it will definitely pay off to have Uninsured Motorist Coverage(UM). Kentucky law mandates that all drivers must be insured, but there are exceptions in which an individual’s policy lapses, or they simply choose to drive uninsured. This is another plan that we strongly suggest investing in.
5. Umbrella Coverage:
This coverage protects you in the case that you are the cause of an accident that injures another person, but your insurance coverage falls short of covering the person’s injuries or damages. This helps ensure that your assets are protected.
We are here to assist you with any questions you may have about insurance coverage in the state of Kentucky. Give us a call anytime to speak with an experienced attorney.