The Difference Between Underinsured and Uninsured Car and Truck Insurance in Kentucky. Kentucky Drivers Need to Understand the Importance of Both of Types of Insurance Protection To Provide Protection in an Automobile or Truck Accident.

Uninsured Motorist Coverage versus Underinsured Motorist Coverage:

When you are involved in a motor vehicle accident, most people think that if the accident is not their fault, the other driver’s insurance company will pay everything. What most people do not consider is what happens when the other driver either does not have insurance at all or if they have inadequate coverage. Here is a brief description of what uninsured and underinsured motorist coverage is and how it can affect you in the event of a collision.

Uninsured Motorist Coverage:

Underinsured Motorist Coverage:

Underinsured motorist coverage differs from uninsured motorist coverage in that the driver who was at-fault for the collision does have automobile insurance, but they do not have enough coverage to pay all of the costs that resulted from the accident. If the other driver only had the minimum insurance required in Kentucky, $25,000 per each person injured/ $50,000 per occurrence, and the costs were higher than these limits, this is where your underinsured motorist coverage would kick in and make up the difference.