Although people tend to ignore the risk involved, driving could cost someone thousands of dollars if they make a mistake. People can cause extensive damage through bad behaviors or simple negligence while driving. When one driver causes a collision that has a negative impact on others such as property damage or injuries, their insurance policy should compensate the people affected by the crash.
Kentucky actually requires that all drivers carry liability insurance coverage on their vehicles to protect them from financial devastation if they hurt someone else in a crash. Could you still get hurt in a crash caused by someone who doesn’t have active car insurance?
Kentucky has a significant number of uninsured drivers
Despite the law, many drivers in Kentucky continue driving after their insurance policies have lapsed. Kentucky is among the twenty worst states in terms of the number of uninsured drivers, at least based on 2019 records. Roughly 13.9% of drivers on Kentucky roads do not have insurance.
Some of these drivers may eventually cause collisions. You have a slightly higher than a one-in-ten chance of the driver who wrecks your vehicle being uninsured. If all you have is basic liability coverage on your insurance policy, the only option for recovering your crash costs might be to take the other driver to court. If you have uninsured/underinsured motorist protection, your policy might help cover at least some of those costs.
Realizing that uninsured drivers sometimes cause car crashes may inspire you to look at your insurance policy to protect yourself before you get into a wreck. You may also need to explore your options for compensation with some experienced legal assistance.