Kentucky's Coverage Gap
Kentucky requires only modest minimum liability limits, and a meaningful share of drivers carry nothing at all. When the at-fault driver can't cover your losses, UM/UIM coverage on your own policy — or a household member's — steps in to protect you.
How UM/UIM Claims Work
A UM claim applies when the at-fault driver had no insurance or fled (hit-and-run). A UIM claim applies when the at-fault driver's limits are too low to cover your damages. These claims are filed against your own insurer, who — despite being “your” company — will still try to minimize payment, which is why representation matters.
Stacking and Multiple Policies
Depending on the policies involved, Kentucky law may allow stacking of UM/UIM coverage across vehicles or policies, increasing the funds available. An attorney can identify every applicable layer of coverage.
Free Uninsured Motorist Case Review
Find out what your Kentucky claim may be worth. A specialist will reach out within the hour — no cost, no obligation.
Uninsured Motorist Claim FAQs
Not necessarily. Your own UM coverage, or that of a household member, may cover your injuries. A review can identify available coverage.
Using coverage you paid for after a not-at-fault crash should not be held against you, and an attorney can advise on your specific policy.
Nothing upfront — contingency only, free review.