Louisville, KY asked in Personal Injury for Kentucky

Q: Injured riding with dad, other at fault driver had no insurance. Do I have claim under dad’s uninsured coverage

I don’t have an insured car and don’t live with father

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1 Lawyer Answer
Adam Michael Russell
Adam Michael Russell
  • Covington, KY
  • Licensed in Kentucky

A: It would appear that you may be covered under your dad's uninsured motorist ("UM") bodily injury coverage - assuming he had UM coverage on his policy at the time of the crash. It will depend on the policy language which may contain certain exclusions. You will also likely be covered for PIP benefits under his policy under Kentucky's Motor Vehicle Reparations Act ("No-fault / PIP"), but there are exceptions. Speak with an attorney before giving any statements to the insurance company.

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