Do I Need Special Motorcycle Insurance In Kentucky?
Motorcycle accidents result in traumatic injuries each day in the United States. Because a motorcyclist lacks the protection of being in a vehicle, the injuries sustained in a crash are usually severe and costly. It is not uncommon for the damages in a motorcycle crash to reach into the hundreds of thousands of dollars when you include medical expenses, lost wages, property damage, future damages, physical pain, and emotional suffering. It can be very risky to ride a motorcycle these days given the number of accidents caused by distracted and reckless drivers.
In order to protect yourself and protect your family, you need to understand the insurance coverage available to motorcyclists in Kentucky. Every motorcyclist should carry both uninsured motorist coverage and underinsured …show more content…
Your insurance company pays your damages, up to your policy limits, as if it was the insurance company for the at-fault driver.
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is similar to uninsured motorist coverage. However, this policy protects you in the event a motorist has insurance but your damages exceed the policy limits. For example, if a driver has the minimum insurance coverage required under Kentucky laws ($25,000), but your total losses equal $50,000, your underinsured motorist coverage should pay you the difference of $25,000.
Do I Need A Lexington Motorcycle Accident Attorney?
Many people assume if they are dealing with their own insurance company that they don’t need to hire a motorcycle accident attorney. This is not necessarily true. Your insurance company is like all other insurance companies — it is in business to make money. Paying large insurance claims isn’t in its best interest. It will do whatever it can to lower the amount it must pay to settle your claim even though you are a
Motorcycle accidents result in traumatic injuries each day in the United States. Because a motorcyclist lacks the protection of being in a vehicle, the injuries sustained in a crash are usually severe and costly. It is not uncommon for the damages in a motorcycle crash to reach into the hundreds of thousands of dollars when you include medical expenses, lost wages, property damage, future damages, physical pain, and emotional suffering. It can be very risky to ride a motorcycle these days given the number of accidents caused by distracted and reckless drivers.
In order to protect yourself and protect your family, you need to understand the insurance coverage available to motorcyclists in Kentucky. Every motorcyclist should carry both uninsured motorist coverage and underinsured …show more content…
Your insurance company pays your damages, up to your policy limits, as if it was the insurance company for the at-fault driver.
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is similar to uninsured motorist coverage. However, this policy protects you in the event a motorist has insurance but your damages exceed the policy limits. For example, if a driver has the minimum insurance coverage required under Kentucky laws ($25,000), but your total losses equal $50,000, your underinsured motorist coverage should pay you the difference of $25,000.
Do I Need A Lexington Motorcycle Accident Attorney?
Many people assume if they are dealing with their own insurance company that they don’t need to hire a motorcycle accident attorney. This is not necessarily true. Your insurance company is like all other insurance companies — it is in business to make money. Paying large insurance claims isn’t in its best interest. It will do whatever it can to lower the amount it must pay to settle your claim even though you are a