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In order to avoid a head-on collision, I steered my car off the roadway and struck a tree. The other vehicle failed to stop. Will I be covered by insurance?

 

A: This is a difficult question to answer.  Many insurance policies have specific language that requires "contact" with another vehicle for there to be recovery under you uninsured insurance coverage under you policy.  Insurance policies are very long and complicated in Kentucky.   It really depends upon the language in your particular policy and the manner that it is interpreted.  As detailed in the Hurt, Crosbie and May article Underinsured Motorist Coverage and Avoiding the Crash, this type of scenario can often lead to unanticipated losses for an insured.  Clearly, you are encouraged to consult a legal professional to review and evaluate your insurance policy as soon as possible following this type of accident.