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Uninsured Underinsured & Umbrella Coverages

You Have Options if Injured by an Uninsured or Underinsured Motorist Accident

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Kentucky law requires certain basic insurance coverage on all motor vehicles in this state. This mandatory insurance coverage has not been increased in decades, and the minimum coverage a driver must carry is $25,000 per person and $50,000 per accident. In other words, a negligent driver can cause a very serious accident resulting in hundreds of thousands of dollars of medical expense and wage loss, but they may only have $25,000 in coverage that you can recover. Even worse, many drivers on Kentucky’s roads at any given time are uninsured and have.

Because of the increasing number of uninsured motorists, many drivers choose to purchase additional coverage or protection in case there is an accident involving an uninsured motorist or an underinsured motorist.

If you think you may have an underinsured motorist claim, please call Law Offices of Herren · Adams at 859-254-0024 before taking any action that might waive your potential underinsured motorist claim.

Years of Personal Injury Experience
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What Are Umbrella Policies And What Do They Mean For My Case?

Umbrella policies provide liability coverage for negligence above an insured’s primary policy. For example, an at-fault driver may have a $300,000 liability policy on their car, and then above that, a $1,000,000 umbrella policy to provide additional protection. Over the years, we’ve seen several situations where a negligent driver caused a serious accident, and the insurance company rushed in and quickly offered the underlying policy limits of $100,000 or $300,000 without mentioning the umbrella coverage. Before settling any serious case, it’s important to know that all the available insurance has been considered.

Prevent Complications By Obtaining Coverage Ahead Of Time

At Law Offices of Herren · Adams, we recommend that everyone have as much uninsured and underinsured coverage as possible. It’s important to know that “underinsured” coverage is a separate and distinct coverage from ” uninsured” coverage, and you should make sure that your insurance agent understands that you want both coverages.

Uninsured and underinsured coverage is critical because these are the coverages that you buy that protect your family and yourself in a serious accident caused by an uninsured or underinsured at-fault driver.

Ironically, compared to the liability insurance that we all must have, uninsured and underinsured motorist coverage is relatively inexpensive. Unfortunately, many people don’t even know they need this coverage until it’s too late.

If you or your loved one has been involved in a motor vehicle collision of any type, call the Law Offices of Herren · Adams at 859-254-0024. You may also request a free consultation online by sending us an email.

We have extensive experience assisting individuals and families in receiving compensation for injuries sustained in automobile collisions. These years of experience are important as we work with our clients and help them receive compensation for injuries by filing uninsured, underinsurance and umbrella coverage claims.


(859) 254-0024

Injured in a car wreck?

A Free Consultation For Quality Legal Guidance.

Taking the first steps can be the most challenging, but it must be done. Learn where to start and the directions your case could go by calling 859-254-0024 or request a complimentary consultation by completing our form below.