WHAT HAPPENS WHEN THE DRIVER DOES NOT HAVE ENOUGH INSURANCE?
With the advent in Kentucky of mandatory liability insurance the average motorist who is injured as a result of the negligence of another driver will find that the driver is insured but has purchased only the minimum coverage required by Kentucky law. Fortunately, the Kentucky no fault law requires all insurers to offer you underinsured motorist coverage. This can be purchased in varying amounts and is an excellent way to make certain that if you are injured that there will be adequate insurance to fully compensate you for your loss. This is first party coverage and is available to you after you have exhausted the liability policy of driver at fault.
