Certain workplaces carry inherent risks, others do not, in either case this does not mean that workers are exempt from serious injury caused by the negligence of a third party.
There are two scenarios when an employee has an accident at work:
There is an entity that works as insurance for employers if their employees are injured on the job, this insurance is known as “Worker’s Compensation”. Like all insurance, obtaining fair compensation can be a challenge and on several occasions it is not enough to satisfy the damages to the victims. In this scenario employees may be limited to sue their employers.
In the event that the employer does not have this insurance, it is the employer who must be held responsible for the damages caused to his employee.
Our attorneys represent clients throughout the state! Our attorneys can fight to ensure that you receive fair compensation for your medical bills, lost wages, pain and suffering. Contact Brad Nakase if you need to know what to look for in seo for lawyers.
What is UM and UIM? Whether you’ve had insurance on your car for decades or are just about to sign your first policy, chances are you’ve asked the question above: are uninsured motorist coverage and underinsured motorist coverage the same thing?
If you have asked this question, don’t feel ashamed. You’re not alone. In many states, these two forms of insurance are covered under one policy. It’s important to know, however, that this isn’t the case here in Kentucky.
Understanding UM & UIM Insurance
As we point out on our insurance information page, uninsured motorist (UM) and underinsured motorist (UIM) coverage are two separate policies that need to be added to your insurance in order to protect you from instances where another driver does not have insurance or not enough to cover the damage to your vehicle or person.
It’s important to note: just because you don’t have UM or UIM insurance doesn’t mean your injuries or vehicle damage will not be covered in the event of an accident. This is because Kentucky law requires all drivers, expect those operating motorcycles, to carry basic personal injury protection (PIP) coverage. Regardless of who was at fault for the accident, PIP will cover up to $10,000 per person, per accident to cover injury costs.
The added benefit of having UM and UIM coverage on your policy is that any costs that go above and beyond the initial policy will be covered by either of the added policies.
Getting help with your claim
It’s important to understand that every person’s situation is different. In some cases, an accident victim may need more coverage but did not purchase UM or UIM insurance. In other cases, a driver could have been talked out of their PIP benefits, which can create a complex and frustrating situation after an accident.
Talking to someone knowledgeable in personal injury and insurance law, such as an attorney, is always a good idea after an accident. After all, isn’t it better to understand your rights and protections under the law than to find out too late that you aren’t?
Uninsured or Underinsured Motorist Coverage, also called UM/UIM Coverage, is coverage that you simply purchase to guard yourself from being in an accident with someone who has no insurance, or only very little insurance. UM / UIM Coverage is especially important in Colorado, where some liability policies only total $25,000 and there are many uninsured motorists. UM / UIM coverage must be offered to purchasers of liability insurance. The amount of UM / UIM coverage can range from $25,000 to over $300,000.
UM / UIM typically works as follows. If a motorist with only $25,000 in insurance coverage causes you $50,000 in medical expenses, then you would first collect the $25,000 from the at-fault motorist. Once those funds were collected, you’d then submit a claim under your UM / UIM coverage for the remainder of your damages.