Don't Get Left Paying the Bill: Why You Need Uninsured/Underinsured Motorist Coverage
Generally speaking, insurance companies are the devil. They want profit; they do not want to help you. Insurance companies profit by keeping money away from their insured (frequently from people who are rightfully entitled to those funds).
Personal Injury law firms also want to make profit – but our profits are directly related to your recovery. The money personal injury firms make is a percentage of what we recover for you. Literally, the more money we make for you, the more money we make for us. Our interests are aligned with your interests and our interests are not aligned with insurance companies.
So when a Personal Injury law firm (like Ward & Simms, PLLC) tells you that you should buy a product/coverage from an insurance company, you should know there’s a solid reason to buy that product/coverage.
Think about it this way: When you pay your car insurance bill every month, you expect to be protected if an accident happens. But what if the other driver doesn’t have insurance—or doesn’t have enough? That’s where uninsured and underinsured motorist coverage (UM/UIM) comes in.
What These Coverages Mean
Uninsured motorist (UM) coverage protects you if the driver who hits you has no insurance. Without it, you might have to pay out of pocket for your medical bills and lost wages, even though the crash wasn’t your fault.
Underinsured motorist (UIM) coverage kicks in when the at-fault driver has insurance, but not enough to fully cover your damages. UIM can bridge that gap, keeping you from bearing the financial burden.
In Kentucky, while drivers are supposed to carry minimum liability coverage, many don’t—or carry only enough to meet the bare legal requirement. Those minimums can fall short quickly, especially if you’re seriously injured or miss time from work.
Why You Should Have UM/UIM Coverage
Think of UM/UIM coverage as protection against other people’s irresponsibility. With potential car repairs, medical expenses, therapy, and lost wages, these numbers add up fast. Having this coverage ensures you and your family aren’t left struggling because someone else didn’t plan ahead. For many Kentuckians, it’s one of the smartest choices you can make on your insurance policy. And UM/UIM coverage is typically cheap, often adding only a small amount to your premium while offering substantial peace of mind.
How Ward & Simms, PLLC Can Help
If you have been in an auto accident, getting your rightful compensation isn’t always straightforward. Insurance companies may try to minimize payouts or delay your claim. At Ward & Simms, PLLC, we’ve helped countless Kentucky and Indiana clients navigate these exact situations—standing up to insurers and pursuing full recovery for our clients’ medical costs, lost income, and pain and suffering.
Our firm has built a reputation for honest guidance, aggressive advocacy, and personal attention to every case. Whether you’re reviewing your current policy or dealing with a serious accident involving an uninsured driver, we’re here to help you protect what matters most.
If you’ve been involved in an accident or have questions about UM/UIM coverage, call Ward & Simms, PLLC today at 502.654.9977. We’ll review your case, explain your options clearly, and help you move forward with confidence. The consultation is free. Justice is priceless.
