Hit by an uninsured driver in Kentucky? Car accidents are stressful enough. Discovering the other driver has no insurance can turn a bad situation into a financial nightmare. Here’s what you need to know to protect you and your family.
The Low Down on Uninsured Drivers
What Is an Uninsured Driver?
An uninsured driver is someone operating a vehicle without an active insurance policy. In Kentucky, this is illegal. Drivers must maintain state minimum liability insurance on all vehicles operated on public roads. Driving uninsured can result in fines of $500-$1,000, license suspension, vehicle registration revocation, and even up to 90 days in jail.
What to Do After Being Hit by an Uninsured Driver
Immediate Steps to Take:
- Call the police to file a report—this documentation will be critical for your insurance claim.
- Contact your insurance company immediately to report the accident and discuss your coverage options.
Understanding Your Insurance Coverage
Protection for Your Bodily Injuries
Uninsured/Underinsured Motorist Coverage (UM/UIM) protects you if the at-fault driver has no insurance. Frequently, this coverage matches your Bodily Injury limits (ranging from 25/50 to 250/500 or higher) and pays for medical bills up to your policy limit.
What About Your Vehicle Damage?
Here’s the harsh reality in Kentucky: your vehicle is treated as if YOU caused the accident.
- If you have Collision Coverage, your insurance will repair your car—but you’ll pay your deductible ($500-$1,000 or more).
- The accident appears on your driving record for 5+ years, potentially increasing your rates.
- If you don’t have Collision Coverage, you’re paying for repairs entirely out of pocket.
The Financial Impact of being hit by an Uninsured driver
Why Proper Coverage Matters
As a Kentucky resident with a Kentucky auto insurance policy, being hit by an uninsured driver means you absorb the financial consequences of someone else’s illegal behavior. Therefore, there are no winners when an unprotected driver causes an accident.
Take Action to Protect Yourself. Review Your Coverage Today
Don’t wait until it’s too late. Contact us today to:
- Review your current coverage limits
- Ensure your Uninsured/Underinsured Motorist Coverage adequately protects your family
- Understand your options for comprehensive protection
Additional Resources
Learn more about Kentucky insurance requirements and consumer protections:
- Kentucky Mandatory Insurance Requirements – Official state requirements
- Kentucky Department of Insurance – Consumer resources and complaint filing
- Consumer Hotline: 1-800-595-6053 (toll-free)
The Bottom Line
At Aspen Ridge Insurance, we pride ourselves on taking the time to get to know you. This knowledge allows us to better understand your situation and offer tailored advice to best suit your needs. Click here to start a free, no obligation review of your coverages.
In conclusion, the best time to verify your coverage is before you need it. We are here to help to make sure you and your family are properly protected. Reach out to us today!