Many Kentucky drivers carry too little insurance or none at all. Learn how UM and UIM coverage protects you and why stacking can multiply your recovery.
Kentucky's insurance gap
Kentucky requires only modest minimum liability limits, and a significant share of drivers carry nothing at all. When a driver with no insurance — or barely any — causes a serious crash, their coverage cannot begin to pay for catastrophic injuries. That is where your own coverage becomes critical.
UM vs. UIM
Uninsured Motorist (UM) coverage applies when the at-fault driver had no insurance or fled the scene in a hit-and-run. Underinsured Motorist (UIM) coverage applies when the at-fault driver had insurance, but not enough to cover your damages. Both are coverages on your own policy that protect you and your family.
Stacking can multiply available coverage
Depending on the policies involved, Kentucky law may allow 'stacking' — combining UM/UIM limits across multiple vehicles or policies in a household. This can dramatically increase the funds available to a seriously injured victim. Whether stacking applies depends on policy language and the facts.
Your own insurer is still an opponent
Even though you pay the premiums, your insurer will scrutinize a UM/UIM claim and may undervalue it. Having representation levels the playing field.
If the driver who hurt you was uninsured or underinsured, don't assume you're out of options. Call 973-566-5599 for a free review of your coverage.
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