The only thing your insurance agent can do for you after a car crash is to assist you with the process of filing a claim or expand your coverage for better protection next time. If you reach out to them before a collision, they can much better serve you.
You may have a basic insurance policy that complies with Kentucky state law. Your goal when you purchased the policy may have been to keep your prices low. If you have a nice conversation with your insurance agent now, their answers to your questions could help better protect yourself in case you ever do get into a major crash.
Does my policy include uninsured motorist protection?
It can be hard to make sense of what coverage you have and what coverage you truly need. Non-mandatory coverage may seem like an expense you don’t need to incur, but it can be crucial for your protection.
Uninsured and underinsured motorist protection is not mandatory under state law, so you may not have this coverage. However, it protects you in case someone hits you when their policy has lapsed or if you get hurt in a hit-and-run collision. Underinsured motorist protection is also important because it can protect you when someone doesn’t have enough coverage and causes extensive damage to your vehicle or major injuries to you or your passengers.
How much personal injury protection coverage should I have?
Personal injury protection (PIP) coverage is a form of no-fault medical coverage that protects you and your passengers regardless of who is at fault for a crash. Typically, every driver in Kentucky has at least $10,000 worth of PIP coverage, but you can add more. If you frequently drive with people who don’t have health insurance, then extra injury protection could be a worthwhile investment.
Is my liability coverage adequate?
A brain injury or spinal cord injury could cost hundreds of thousands of dollars over the course of someone’s life. If you carry the bare minimum coverage required by state law, you could face a lawsuit if you cause a major injury to someone else.
A judgment could mean that someone can garnish your future wages or even place a lien against your house. When you carry enough liability protection for major collision costs, your personal assets and future income will be at less risk when you drive.
Asking your insurance agent the right questions before a car crash will help ensure that you have the coverage you need if one ever does occur.