Do you have to carry underinsured motorist coverage in Kentucky?

Driving in Kentucky, you should know that there is a risk that other drivers don’t have car insurance or aren’t carrying enough to cover the damage if one does occur. Interestingly, despite that risk, you are not obligated to carry underinsured motorist coverage in this state.

If you don’t have this coverage now, this is a good time to go over what it is and how it may help you in the future. Having this coverage could help you take care of many financial issues following a crash caused by someone who is underinsured.

You can get at least $25,000 of underinsured motorist coverage in KY

Insurance companies in Kentucky are obligated to offer you at least $25,000 in coverage for underinsured or uninsured drivers. You are allowed to opt out of this coverage if you don’t want it, but it may be a good idea to keep it. Why? According to MSN, around 13.9% of Kentuckians are completely uninsured based on data collected from between 2015 and 2019.

So, while you are not obligated to carry coverage for underinsured or uninsured drivers, the risk of getting into a crash with someone who doesn’t have good enough coverage is fairly high. Having this coverage as a backup could help you get money for your personal injury or lost wages, for example, even if the other driver hits their policy limit.

You deserve to receive the care you need after a crash

It’s not a bad idea to carry more personal injury insurance for yourself regardless of what might happen in the future. Knowing that you have additional financial security and can make a claim against your own insurance if an at-fault driver harms you without enough insurance of their own may help you rest easy and drive with more confidence.

If you do get into a crash, it’s important to start your claim against the at-fault driver as soon as you can. After you seek care and know what kind of insurance policy limits are involved, you may find that this coverage is very much needed to help you as you recover.