An Accident Involving An Uninsured/Underinsured Driver Can Be A Complex Situation

Though it is against the law in the state of Kentucky, some motorists fail to carry sufficient auto insurance. State law calls for a minimum of $25,000 in liability coverage, and those with inadequate or nonexistent policies pose a costly risk to law-abiding drivers.

If you have been in an accident with an uninsured or underinsured driver, you may rightly find yourself wondering who will pay for the damages you have incurred. At Russell & Ireland Law Group, LLC, we understand that this can be a confusing situation for Covington drivers. Our motor vehicle accident lawyers are experienced at navigating these claims, and we know how to help our clients obtain the compensation they deserve.

How Do Uninsured And Underinsured Motorist Claims Work?

If you have been in an accident with an uninsured or underinsured driver, you may be able to file a compensation claim with your insurance company. This is, of course, only possible if you carry uninsured or underinsured motorist coverage. There are other requirements for a successful claim, including:

  • The other driver must be at fault
  • Your liability coverage must be greater than that of the other motorist

An uninsured motorist claim can also be filed in the event of a hit-and-run accident. If the party responsible for your injuries or damages is unknown, your insurance company may step in with compensation.

We Can Help You Through A Complicated Circumstance

Filing an insurance claim is often a layered and complex process. Having an attorney in your corner who understands what goes into a successful claim can make a world of difference. At Russell & Ireland Law Group, LLC, we have extensive experience representing injured drivers in northern Kentucky and Ohio.

We care about helping our clients get back on their feet, and we do everything we can to make that happen. If you need legal assistance, contact our Covington office today at 859-581-0123. You can also get in touch with us by email through our contact page.