I got a call recently from a client who had been involved in a bad auto accident. Another car ran a red light and struck the client’s car in the side, causing property damage and personal injuries. The client informed me the other driver did not have auto insurance, so the client assumed she did not have any recourse. The client and I reviewed her own auto insurance policy, and as I expected, the client had Uninsured Motorist Coverage, also known as UM coverage. In most every policy in Kentucky, unless waived, owners purchase UM coverage to protect them should they be injured in an auto accident by an uninsured driver. UM coverage will act as though the defendant driver was insured up to the limits of insurance you purchase from your own insurer. Unfortunately, many drivers today do not have valid and up to date insurance, making UM coverage a very important safeguard should you be in an auto accident. So take out your auto insurance policy and look for Uninsured Motorist coverage. If you don’t see it, call your agent and add it right away. You’ll be glad you did.
CATEGORIES: Insurance Law