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Louisville Uninsured Motorist Accident Lawyer

Kentucky Underinsured Driver Accident Lawyer

You or a loved one was injured in a car accident. The driver who caused the accident was clearly negligent, that is not in question. There's only one problem: that driver doesn't have nearly enough insurance coverage to compensate you for the damage that was done. Perhaps that driver doesn't have any insurance coverage at all. What do you do then?

At the office of Joseph C. Souza, member of the law firm of Ackerson & Yann, PLLC, we know that a negligent driver's lack of insurance coverage is not the end of the road in an auto accident case. We know that there are always options. With more than 35 years of experience on our side, we know how to find them so you can get the compensation you need.

Attorney Joseph C. Souza has lectured to fellow attorneys, insurance representatives and claims adjusters for more than two decades, specifically on the topic of uninsured and underinsured motorist coverage.

Uninsured and Underinsured Motorist Coverage

Although many do not even know it is there, most drivers have uninsured and underinsured motorist coverage (UI/UIM coverage). This is coverage provided by the driver's own insurance company that allows for compensation in the event of a car accident caused by a negligent driver without sufficient insurance coverage.

Here's how it works: We find out how much insurance coverage is available. For example, the injury and damage may be worth $100,000. We will find out what we can get from the negligent driver. Perhaps it's only $25,000. Then we go to your own insurance company and determine what "underinsurance" is available for the remaining $75,000.

This is no easy task. Just because it's your insurance policy and you have paid the premiums in good faith does not mean they are going to simply hand over the compensation you need. We may have to fight them for it. We are ready to do so if necessary.

The Fine Print

What if you do not have sufficient UI/UIM coverage? Sometimes, having more than one car can be important. Sometimes, how your policy reads can make a difference. While, on the surface, it may look like the damages are not going to be covered, we examine the fine print. We thoroughly analyze policies. We dig deep. We believe that there are always options, and we will find them.

Contact Us for a Free Consultation

We handle all cases on a contingency basis. You do not have to pay anything unless we win your case. The Kentucky Bar Association rules require us to state that court costs and fees are the responsibility of the client. Call 877-745-0315 or send us an e-mail to discuss your case with a Louisville uninsured motorist accident attorney.

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