What is Uninsured Motorist (UM) coverage?
Uninsured Motorist (UM) coverage is a very important type of coverage that protects your family. It is an optional coverage, although most policies have at least $25,000 available.
Uninsured Motorist (UM) claims can create very complex insurance coverage situations. UM coverage can extend to family members that live in the same household under the “resident relative” provision. It may also apply to occupants of your vehicle.
An experienced UM attorney may be able to locate different insurance policies that will cover your medical expenses, lost wages and general damages when the at-fault driver is uninsured.
If an insurance company pays damages under its Uninsured Motorist (UM) provisions, the company has a right of subrogation and can pursue the uninsured person to get reimbursed for the monies that it paid out on your behalf.
We know how stressful car wrecks can be and how overwhelming it can be dealing with insurance companies while you are trying to heal from a serious injury. Let our team of experienced uninsured motorist attorneys help you through the process. Contact us today to discuss your Kentucky court case.