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FAQ
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Why does the person that hit me only have $25,000 in insurance to cover my injuries?
Under Kentucky law, all drivers must carry a minimum of insurance. The required amount for bodily injury is $25,000 per person and $50,000 per accident. KRS 304.39-110(a) (1). This is not enough money to cover serious injuries. I recommend that people purchase additional coverage on their own policy to protect themselves in the event someone with minimal insurance hits them.
You can purchase underinsured motorist coverage. If the at-fault driver’s bodily injury liability does not fully compensate you for your injury, this optional insurance gives you extra coverage.
I recommend that you purchase, at a minimum, $100,000 per person/$300,000 per accident and ask for a premium to be charged for each vehicle on your policy.
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Why is my insurance company paying for my medical bills when I was not at fault in the wreck?
Kentucky law requires your insurance company to pay these expenses under your No-Fault/PIP coverage. If you were not at fault in the collision, the at-fault driver’s insurance company will reimburse your insurance company those expenses. Kentucky requires a minimum of $10,000 No-Fault/PIP coverage. PIP covers up to $10,000 for medical bills and lost wages for each passenger in your car.
If you are seriously injured, $10,000 will not cover your medical bills. I suggest people purchase additional insurance on their automobile policies called Added No-Fault/Added PIP/Additional Reparations Benefits of $30,000 per vehicle. This extra coverage is inexpensive and can save you from having huge unpaid medical bills in the event of a serious injury.
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