Underinsurance is Something You Must Consider

What Is Underinsurance Coverage?

Underinsured motorist (UIM) insurance helps cover the gap when the at-fault driver’s insurance limits are too low to fully compensate you for your medical bills, lost wages, pain and suffering, and future care needs. This is separate from uninsured motorist (UM) coverage, which applies when the at-fault driver has no insurance at all.

Example:

• At-fault driver’s liability limit: $25,000
• Your total damages: $100,000
• UIM coverage can help cover the $75,000 shortfall, up to your policy limits.

Why Underinsurance Matters Now More Than Ever

• Many drivers carry only the minimum required liability coverage in Kentucky and Tennessee, which frequently isn’t enough to cover serious injuries.
• Medical costs from a moderate to severe crash can easily exceed six figures.
• Lost income, future medical needs, rehabilitation, and pain and suffering may not be reflected in a small liability policy.
  Without UIM coverage, you may be forced to absorb these losses yourself, or rely on limited health insurance that doesn’t account for non-economic damages.

How to Evaluate Your Coverage

Consider asking yourself:

• Do I have UIM coverage on my policy?
• What are my UIM limits?
• Are my UIM limits equal to or higher than my liability limits?

At RedStone Law, we recommend considering UIM limits that match your liability limits or higher, especially if you have significant assets to protect or rely on your income to support your family.

How RedStone Law Helps You

Our team can:

• Review your current auto insurance policy and explain your UIM coverage in plain terms.
• Help you understand how UIM claims work alongside other insurance sources after a crash.
• Work with your insurer to ensure that your UIM benefits are fully pursued when you’re injured by an underinsured driver.
• Coordinate with your medical and financial records so your full damages are presented accurately to the insurer.

UIM and Your Injury Case

If you’ve been injured by a driver who doesn’t have adequate insurance, understanding your own UIM coverage can be vital to maximizing your recovery. In coordination with your personal injury claim, UIM benefits may help bridge the gap so you receive compensation for medical care, lost wages, and non-economic damages you deserve.

Get Help Today

If you’ve been injured in an accident in Kentucky or Tennessee, and the at-fault driver’s insurance limits aren’t sufficient, contact RedStone Law for a free consultation. Attorneys Mike, Morgan or Mark will review your policy, explain your rights, and work to protect the full value of your claim.