Four things you need to know about your car insurance | Bart Durham Injury Law

Four things you need to know about your car insurance

Nobody wants to obsessively worry about their car insurance and coverage limits after they purchase a policy. Unfortunately, accidents can, and often do, happen, so it's a good idea to understand just exactly what is and isn't covered.

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We've put together a handful of things that all Kentucky drivers should keep in mind when they're commuting to work or taking the family out for the weekend. Read our list below, and always protect yourself and those around you with the appropriate amount of auto insurance.

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1. Do I need car insurance in the state of Kentucky?

YES! You most certainly need to carry proof of car insurance in your vehicle at all times. In the event you are stopped or involved in an accident and do not have at least minimum liability coverage, you could have your car registration revoked and could get slammed with pesky fines or a mandatory 90-day jail sentence under state law. Not only that, but your negligence could cause others to take on debt in the event of an accident (read more below).

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2. What if I'm involved in an accident with an underinsured driver?

Look, accidents happen and each is unique. If you're involved in an accident with another driver whose insurance is insufficient to cover the cost of all your damages, you may not have the full cost of your injuries recovered. Luckily, if you add Underinsured Motorist Coverage to YOUR policy, you will never run the risk of not recouping what is owed to you.

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3. But what if I'm involved in an accident with another driver who is uninsured altogether?

As much as we'd love to believe every driver on the road this very moment has the appropriate coverage, this is NOT the case. If you're involved in an accident with a driver who is completely uninsured, you run the risk of inheriting ALL the cost of unpaid medical bills and property damages. The best way to protect yourself is to add Uninsured Motorist Coverage to your existing policy immediately.

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4. I've heard the term "split fault," but what does it mean?

In the event of an auto accident, fault will be distributed amongst both parties by a jury on a sliding scale. This is known as Pure Comparative Negligence Law (or in layman's terms "split fault") in the state of Kentucky. Even if you are found to be 99% at fault, you could still stand to recover some damages under state law.

The legality can be a bit difficult to parse, so make sure you do the right thing and let Bart Durham Injury Law handle the details for you. Give them a call today at 866-468-6603. The call is free and there's no obligation.

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