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What to Do when The Other Driver Doesn’t Have Collision Insurance

Wilson & McQueen Dec. 15, 2022

Getting injured in a severe car accident is bad enough. Finding out the driver who caused the wreck did not have insurance is even worse. Fortunately, there may be another way to pay your expensive medical bills, lost wages and pain and suffering.

Coverage for When the Other Driver Doesn’t Have It

Most auto insurance companies that do business in Kentucky offer uninsured/underinsured motorist (UM/UIM) coverage. If you get hit by a driver whose insurance cannot cover your damages or is not insured at all, you can make a claim on your own policy to make up the difference. Getting into an accident with an uninsured driver is more likely than you might think: about one in eight drivers did not have collision insurance in 2021, according to the Insurance Research Council. UM/UIM coverage can also be a lifesaver if you get into a crash with a hit-and-run driver who flees the scene before giving you their insurance information.

Many states require drivers to buy UM/UIM coverage. Kentucky is not one of those states, though insurers must offer UM coverage and UIM coverage is available if you ask for it. Drivers usually find the extra expense is worth it after a serious car accident where the other driver lacks insurance.

Dealing with The Insurance Company Can Still Be Challenging

However, the fact that you are dealing with your own insurance company does not mean the process will be quick and easy. Insurers like to brand themselves as your friend who is there for you when something bad happens. In reality, auto insurance companies search for reasons not to pay a claim. They might make a lowball settlement offer or even reject your claim. You don’t have to accept their decision. A personal injury lawyer can explain your options.