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Uninsured/Underinsured Motorists

Louisville Attorneys Manage Accident Cases Involving Uninsured or Underinsured Motorists

Helping victims get fair compensation when scofflaw drivers cause harm

Kentucky law requires drivers to carry liability insurance as well as personal injury protection. However, the insurance industry estimates that about 12 percent of drivers across the country, and 15.8 percent of drivers in Kentucky, do not carry liability insurance. That means you have a greater than one-in-seven chance that the person who hit you is not insured. If you have a serious injury accident, it’s also likely your claim will exceed the at-fault driver’s policy limits. Getting full, fair compensation under these circumstances can be a complex and time-consuming struggle. Fortunately, at the Schuler Law Office, we have managed a substantial number of such cases. We draw on more than 25 years of combined legal experience to pursue the best results possible following your accident.

Mandatory insurance in the Commonwealth of Kentucky

Kentucky law sets mandatory minimums for insurance coverage as follows:

  • $25,000 liability for injuries to each person involved in a single accident
  • $50,000 total liability, for all injuries resulting from a single accident
  • $10,000 per occurrence for property damage resulting from an accident
  • $10,000 in personal injury protection (PIP) of the policyholder

If a driver has no insurance or only the bare minimum, you must pursue other options to recover damages.

Options for compensation in an uninsured driver accident

If you are injured by an uninsured driver in Kentucky, there are several steps you can take to try to recover for your losses:

  • File a claim under your own PIP coverage — This should be good for up to $10,000 worth of medical bills, lost wages, and other economic losses related to your auto accident.
  • File a claim under your own uninsured/underinsured motorist coverage — This is additional insurance that’s not mandated by law, but we strongly recommend you carry it for better coverage.
  • Sue the at-fault driver — A personal injury lawsuit against the at-fault driver is your right, but first you must find out whether the driver has sufficient assets to pay a judgment. Many uninsured drivers are uninsured because they can’t afford the premiums; they won’t be able to pay you even if you win. Other uninsured drivers are simply uninsurable, often because of DUI convictions, poor driving records, and suspended or revoked licenses. These individuals may have assets, such as a home, business, or savings, which you can attach after you win a judgment. Lawsuits are expensive, so an attorney wants to know it’s possible to collect on a judgment once the case is won.
  • Find someone else to sue — Accidents that occur at unusually dangerous intersections or poorly maintained roads raise the question of whether the government entity in charge could also be at fault. Investigations into the accident scene can reveal evidence of faulty road design, inadequate sightlines, poorly graded roads, inadequate lighting, and other safety hazards for which a government entity could be liable.

The combination of medical bills and lost income that results from an accident can very quickly exhaust your savings and plunge you into debt. To prevent such severe financial hardship, you need knowledgeable and aggressive legal representation.

Contact an accomplished Louisville attorney for your auto accident case

The Schuler Law Office provides highly effective representation for uninsured/underinsured driver accident cases throughout Kentucky and Indiana. We understand the additional stress these cases cause, and work diligently to produce the best results possible. To arrange a free consultation at our Louisville office, contact us online or call us at 502-568-9000.

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  • "David You Rock!!! I mean that! I am so glad I walked up to you on [my boyfriend’s] case about 8 or 9 years ago. You are a blessing in disguise. David Schuler – my attorney for life!"  -CJ

  • "Mr. Schuler – Thank you again; that was the best possible outcome! I didn’t expect things to go that smoothly. Sincerely"  -C.N.

  • "Hi David, I received your voice mail earlier and I cannot explain the relief/joy I felt. I know it may come as a surprise but I felt more excitement from that voice mail than the day we settled. I was expecting the settlement but I was not expecting to hear the news you left on my voice mail. I cannot express in words how thankful I am that you have taken care of this for me. . . Truly I thank you from the bottom of my heart. With much gratitude,"  -H.G.

  • "David, I cannot thank you enough for all that you have done for me. You have impacted my life more than you know, much more than the settlement. Thank you so much for your genuine care, compassion, patience and hard work on my case. I look forward to speaking with you again. Sincerely,"  -S.A.

  • "David – I know it has been a long time since you helped me, but I thank you from the bottom of my heart. You actually saved my career. Hope you are doing well,"  -P.M.

  • "Mr. Schuler, Thank you so much for your help with my case. I appreciate your efforts in finding the very best outcome for me. Thank you again for fighting on my behalf. Many thanks,"  -B.S. and J.K.

  • "David, Thank you so much for everything. There is no way I’d have made it through this without you."  -B.R.

  • "Mr. Schuler, After dealing with the previous two attorneys I had, I honestly had little faith in any of the attorneys I talked to. I thought there was no way I was going to get out of the trouble I was in and I thought no one really cared. I thought all attorneys were out to make money and cared little for their clients. You proved me wrong. Your actions backed your words and I was amazed at the outcome of my case. Not only will I be able to keep my current job, but I will also be able to resume a normal life. I can now get back to focusing on my life with my family. And because of your persistence with my case, I can continue coaching my kid’s basketball teams and attending their field trips. I took these things for granted before but now I truly appreciate what I have. I owe all of this to you. I want to take this opportunity to thank you for everything you have done for my family and me. Your thorough work and dedication towards my case gave me new hope that there are honest people out there, and not every attorney is out to make money only. I also appreciate the genuine concern you showed towards my case and how the outcome not only could affect my job, but my life also. Without your help, I fear to think what the outcome of my case would have been. The deal you worked out with the prosecutor has given me a chance to resume a normal life, and for that, I cannot thank you enough. Sincerely,"  -R.B.

  • "Dear David, I wanted to thank you for all your help in this matter. I liked the way you handled things. It instilled a sense of confidence and security in me. I appreciated the respect you showed for me and my situation. Most importantly, I appreciated your kindness and compassion. You restored my faith in the law. You restored by faith in people. Thank you, David. Sincerely,"  -B.L.

  • "Dear Mr. Schuler, I wanted to express my gratitude to you for helping my husband…get out of jail. This is a horrifying experience not only for me but for my kids as well. I hope this will never happen again. But I wanted to thank you for being there for me and calling me and getting me updates. May God bless you. Sincerely,"  -G.H.

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