An experienced Louisville car accident attorney takes a closer look at the rates of uninsured drivers in the state, as well as options for recovery after being in an accident with an uninsured driver.

According to a recent report from the Insurance Research Council (IRC), about 18 percent of all motorists in Kentucky are uninsured. This is more than 1 in every 6 drivers – and it beats the national average of 1 in every 7 motorists being uninsured.

What this means is that every time you hit the road in Kentucky, there’s a pretty good chance that, if you get into a car accident, the driver will be uninsured.

Below, we’ll tell you more about your options for financial recovery if you’re hit by an uninsured (or underinsured) motorist.

 Do You Know the States that Have the Most Uninsured Drivers?

While Kentucky’s rate of uninsured drivers is certainly high (especially considering the fact that all drivers in the state must legally have auto insurance), it is not among the top seven states with the highest rates of uninsured motorists in the U.S. In fact, these states include (in order of most to least):

  1. Oklahoma – 25.9%
  2. Florida – 23.8%
  3. Mississippi – 22.9%
  4. New Mexico – 21.6%
  5. Michigan – 21.0%
  6. Tennessee – 20.1%
  7. Alabama – 19.6%

Obtaining Compensation after Collisions with Uninsured Drivers

After a collision with an uninsured motorist, you may be able to obtain compensation for your injuries and losses if you have uninsured/underinsured motorist coverage on your auto insurance policy (in fact, this coverage can also provide compensation following a hit-and-run accident).

What you should know, however, is that even if you have this coverage, insurance companies:

  • Can be very reluctant to pay your valid claim
  • May go so far as to undervalue or deny legitimate claims in an effort to try to protect their own profits.

This is when having an experienced lawyer – like a Louisville car accident attorney at Murphy & Associates, PLC – represent you can make all of the difference.  In fact, with a lawyer on your side, you can be sure that your rights and interests are protected while you progress towards obtaining the compensation you deserve.

Louisville Car Accident Attorney at Murphy & Associates

Have you been injured by an uninsured driver, in a hit-and-run or in any type of traffic accident? If so, you can get experienced help pursuing compensation and justice by contacting a trusted Louisville car accident attorney at Murphy & Associates.

Our team of experienced lawyers is dedicated to protecting the rights of those who have been injured by negligence. While this means that our Louisville attorneys are always ready to take a case to trial when necessary, it also means that we make every effort to achieve the best possible resolutions to our clients’ cases through aggressive negotiations outside of court.

Let’s Talk

To get professional advice from one of our attorneys and find out more about how we can help you, call us at (502) 532-8395 or email us using the contact form on this page.

We welcome your call or email from anywhere in Kentucky, Indiana, or elsewhere throughout the Midwest or South. All case evaluations are free, and most representations are taken on a contingency fee basis, which means you pay us nothing unless we succeed in recovering money on your behalf.