What if the person who hit me does not have auto insurance?

First in Kentucky, you have uninsured auto insurance; that is a requirement.  You have at least $25,000.00 of coverage if you have auto insurance yourself.  Thus, your own auto insurance will pay up to $25,000.00 for injuries caused in the accident by the uninsured driver.  I hope your insurance agent was fair to you and sold you more coverage than the minimum $25,000.00 of coverage for uninsured insurance.  Uninsured and underinsured insurance is insurance that you buy for yourself.  I strongly encourage everyone I speak to, to buy as much uninsured and underinsured and no fault benefits as you can afford to purchase.  It is really inexpensive.  It is insurance that you buy for yourself.  Don’t let your insurance agent only sell you minimum coverage or worse sign a waiver that eliminates uninsured and underinsured coverage.  Do not agree to a $1,000.00 deductible on your $10,000.00 fault benefits either.  The cost savings is not worth what you give up.

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