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Auto Insurance FAQs

What should I do if I have been in an automobile accident?
What insurance covers me in an auto accident?
What is PIP?
Do I need Uninsured or Underinsured insurance coverage on my vehicle?
Do I have PIP, Uninsured, or Underinsured coverage if I am in a motorcycle accident?
What insurance will pay for property damage to my vehicle after an auto accident?
How do I protect myself if I am at fault in an auto accident?
What is the meaning of “subrogation” when applied to my automobile insurance?
Where can I learn more about car insurance?

Q: What should I do if I have been in an automobile accident?

Read our Auto Accident FAQ for more information if you have been involved in a car wreck.

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Q: What insurance covers me in an auto accident?

Several types of insurance may apply in your car wreck injury case including:

    • Property Damage – Comprehensive Coverage on your own policy or Liability Coverage from the at-fault driver.
    • Personal Injury Protection (PIP) or “No-Fault” Insurance – coverage on the car you were in at the time of the accident that covers the first $10,000 of your lost wages, medical bills, and other expenses incurred during your recovery.
    • Health Insurance – your personal health insurance policy covers bills for your medical treatment.
    • Short-Term and/or Long-Term Disability – policies through your employer that provide wage replacement during your recovery.
    • Uninsured Motorist Insurance (UN) – coverage on your own policy to protect you if the at-fault driver did not have insurance.
    • Underinsured Motorist Insurance (UIM) – coverage on your own policy to protect you if the at-fault driver did not have enough insurance to cover all of your bills.
    • Life Insurance – coverage that may apply if a loved one died due to an auto accident.

For more information on auto insurance, see our Insurance Blog. If you have questions about auto insurance coverage, call personal injury attorney Flora Templeton Stuart at 888-782-9090. As an experienced auto wreck lawyer, she will help you find all of the applicable insurance coverage available to help you recover from your car accident injuries.

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Q: What is PIP?

In Kentucky, Personal Injury Protection (PIP) is insurance on the vehicle you were in during the accident. It pays for medical bills, lost wages, and travel to out-of-town medical providers during your recovery. Often referred to as “no-fault” insurance, these benefits are paid regardless of who caused the accident. At our law firm, we reserve PIP to be used by our clients’ treating physicians so the benefits are not used up before the client recovers. We recommend increasing your PIP coverage from the $10,000 minimum to $20,000 or $50,000 for better coverage in case of an auto accident. If you are seriously injured in an auto accident, you could be off work for months while incurring thousands in medical expenses that may not be covered by other insurance. Protect yourself and your family by raising your PIP limits. You will need to ask your insurance agent for this since it is not offered without you requesting this additional coverage.

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Q: Do I need Uninsured or Underinsured insurance coverage on my vehicle?

Underinsured and Uninsured Insurance is often included on vehicle policies and is very important to protect you and your family in the event of auto accident. While driving without insurance is a crime, it still happens all too often, so it is important to have Uninsured (UN) motorist coverage to compensate you if you are injured by an uninsured driver. Underinsured (UIM) coverage compensates you if your injuries exceed the at-fault driver’s policy limits. For example, if you sustain $30,000 in medical bills from a car accident and the at-fault driver only has $25,000 policy limits, then your underinsured insurance would compensate the additional $5,000. Underinsured and uninsured policies may stack (add together) for all members of the household so if bills are especially high, then an injured person can seek compensation from all household members that have coverage. To protect your rights to stacking benefits, be sure to purchase separate policies on each vehicle with separate dec sheets. Contact an experienced car wreck attorney to learn more about Uninsured and Underinsured coverage and ask your insurance agent for this important coverage.

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Q: Do I have PIP, Uninsured, or Underinsured coverage if I am in a motorcycle accident?

Most motorcycle policies do not include PIP, Uninsured, or Underinsured coverage. Be sure to ask your agent about adding PIP coverage to pay for medical bills and lost wages in the event of an injury. Also ask about Uninsured and Underinsured coverage for additional protection if you are in a motorcycle accident.

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Q: What insurance will pay for property damage to my vehicle after an auto accident?

Collision or Comprehensive Coverage is insurance you carry on your own vehicle to pay for damage in the event of a car accident. You should only purchase this insurance if the value of your vehicle exceeds the cost of the coverage—you don’t want to pay more for insurance than your car is worth. You may be required to have this coverage if you owe money on your vehicle or it is leased.

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Q: How do I protect myself if I am at fault in an auto accident?

To protect your personal assets, you should carry Liability Insurance on your vehicle to pay if you are at fault in an auto accident. In Kentucky, the minimum liability policy limits are $25,000 per injured person, $50,000 per occurrence, and $10,000 for property damage. We recommend that you have more coverage than the $25,000 minimum because if you cause an accident, and if the injured person gets a judgment against you for more than $25,000, they can attach your personal assets. You can raise these limits to $50,000/$100,000, $100,000/$300,000, or $300,000/$500,000 for just a few dollars a month. You can also purchase Umbrella Insurance if your assets exceed these amounts. You should always have coverage as much or more than your personal assets.

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Q: What is the meaning of “subrogation” when applied to my automobile insurance?

When your insurance company pays you for a loss caused by another driver, the company may recover the full amount of their payments made from that other party. This also means if your insurance company pays you, you will have to cooperate with them as they may sue the other party. You must repay your insurance company any amounts they have paid you if your claim against someone else is successful. There are some situations where the subrogation interests at an insurance carrier can be waived or defeated altogether. These are complex issues that require the advice of an experienced auto accident attorney.

There are many other types of subrogation such as Medicare, workers compensation, Medicaid, Erisa (Health Insurance), PIP, etc. who all may want to be paid back from your recovery in the case. It is very important to have an injury attorney experienced with subrogation liens when handing your case or these liens may “eat up” your entire recovery. The Law Firm of Flora Templeton Stuart works hard to protect you against liens whenever possible and contest liens that should not be paid.

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Q: Where can I learn more about car insurance?

You can contact our experienced personal injury attorneys for more information on the auto insurance you need. You can also visit our insurance blog.

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