underinsured motorist coverage


Kentucky Appeals Court affirms verdict in favor of insured in Underinsured Motorist case

If you don't have uninsured or underinsured motorist coverage, you should talk to your insurance agent about purchasing this very important coverage as soon as you can. Such coverage can mean the difference between a fair recovery and financial ruin in the event of a serious accident with a driver who has no insurance or who has only the minimum policy limits. However, should you ever need to actually use your uninsured or underinsured coverage, do not expect your insurance company to be on "your side" of the case. Read More


Son who moved out of Kentucky parents’ home not a “resident relative” for underinsured motorist insurance purposes

Many people think of "car insurance" as something you either have or don't have. When a claim arises, these folks can be very surprised to learn that there are a multitude of issues outside of parties simply being insured or uninsured. This is because, at its essence, an insurance policy is a contract that has many different terms, provisions, and exclusions. So it is very important to understand exactly what is - and is not - covered under one's policy. As a recent case illustrates, it is also important to discuss your policy with your insurance agent regularly, especially if your household situation changes. Read More


Kentucky Court holds that case qualifies for Underinsured Motorist Coverage

It is always a good idea to carry uninsured/underinsured motorist coverage insurance, but settling a UM/UIM claim can be more complicated than it might initially seem. This is true even when the claimant is the insured person, but settlements can be even more difficult when a person other than the insured is seeking to recover UM/UIM benefits. The Kentucky Court of Appeals was recently presented with a rather unusual UIM case filed by the friend of the insured under a policy issued by State Farm. Read More


Insured’s Claim for UIM in Kentucky Denied Despite 30-Year Misunderstanding About Coverage

Do you know how much uninsured motorist coverage you have, or whether you have such coverage at all? One man thought that he had such coverage, but, as it turns out, uninsured motorist coverage was not part of his insurance plan with Allstate. In a case that went all the way to the state's highest court, the parties vehemently disagreed about the issue of coverage. Ultimately, the man lost his case in an appellate court opinion issued some 10 years after the automobile accident that led to the dispute. Read More