Every driver in Kentucky has to pay for insurance. Like a driver’s license and vehicle registration, proof of active liability insurance is a necessary part of legally driving on public roads. Since you first got a license and a car, you have been paying for insurance that you may not have had cause to use.
The policy that you pay for protects you from liability. If you aren’t the one who causes the crash, then your coverage will play a minor role, if any at all, after a wreck. It is the driver at fault for the collision whose policy pays for the injuries and damage caused in the wreck.
Every driver in Kentucky has the right to pay for as much insurance as they think they need, so long as they meet the minimum required coverage amount. How much insurance protection can you expect after a major wreck in Kentucky?
State minimum coverage may fall short
Many drivers invest in coverage based on their income and assets so that they don’t have much at risk in a crash. Other drivers just want to comply with the state requirements and don’t care about their personal liability.
If the driver who hits you has the least amount of coverage legal in Kentucky, they may have just $25,000 to cover all of your medical costs and lost wages and another $25,000 of coverage for the damage to your vehicle and other belongings.
Your policy can help
If you are one of those drivers who has invested in supplemental insurance coverage, your policy may cover costs that exceed the coverage of the other driver. Uninsured and underinsured motorist protection can help protect you, as can collision coverage.
Even so, you may find that the total expenses from the crash are still much higher than the insurance coverage you have access to between both policies. You may need to look into a personal injury claim if the financial impact of the crash is significantly higher than what insurance will pay. Provided that you can show that the other driver caused the crash due to negligence or misconduct, you may have grounds to hold them accountable in civil court.
Taking legal action after a motor vehicle collision can reimburse you for your losses and hold someone responsible for their negligent behavior or misconduct at the wheel.