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
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.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.