Having no car insurance can have a negative impact on your car accident case. Today it is more important then ever to have not only car insurance, but really good car insurance coverage. Why? That is easy, because more and more people are driving without car insurance. They are rolling the dice and hoping they don’t get caught. This is very short sighted. Most are thinking about not getting a “no insurance” ticket. Not getting pulled over by the police. If they are in an automobile accident it will be much worse on them then any citation the police may issue you.

First if you are in an accident in Kentucky that is not your fault, that is someone else hits you, and you do not have car coverage the ramifications can be devastating to you. First you had better have health insurance or you are personally responsible for your medical bills. I know the chance of there being health insurance coverage is unlikely if you don’t have car insurance.

This is going to sound crazy but it is the law. You are responsible for your first $10,000.00 in medical bills. The at-fault insurance company, if there is in fact one, is not responsible for the first $10,000.00 in medical expenses. It doesn’t matter how severe the accident is or how badly you are injured. You are out of luck.

I had a client in my office today that has a little over $9,000.00 in medical bills and she is responsible for them. It is very sad because she has no money to pay her bills and no health insurance. The insurance company knows the law and is using this fact for their benefit. The offer is low for the pain and suffering. There is just not enough money to go around. The bills can be negotiated but she will not get what her case is really worth because of this. To make matters worse, she was charged with a criminal offense of “No Insurance” even thought the accident wasn’t her fault.

What would have made matters worse is if the at-fault car had no insurance. If this was the case there would be no insurance money at all. The only recourse would be to go against the assets of the person that caused the accident. In most cases there is nothing there.

The point of all of this is to make sure you have auto insurance. It is your job to financially protect your family. You should have coverage and it should be good coverage. If you are I a horrific accident and can’t work or are killed what will happen to your family? Good insurance will not replace you but your family will be able to keep their house and pay the bills. Check out your insurance policy.

I have written a book entitled “What You Don’t Know About Buying Car Insurance Can Hurt You”. If you are a Kentucky residence order a copy and get the information you need to financially protect your family.

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