Not everything in life can be anticipated, and a person’s life can be turned upside down at a moment’s notice. You can be involved in a car accident or slip and hurt yourself in a grocery store. Your house could be flooded, or a tree could fall on your car. Whatever accident or home disaster you are plagued with, you may soon find yourself dealing with an insurance company.
Mandatory insurance requirements in Kentucky
Kentucky has minimum insurance requirements for motorists and homeowners. They include per the Kentucky Department of Insurance include:
$25,000 bodily injury per person per accident
$50,000 bodily injury for all persons per accident
$10,000 property damage liability
$10,000 personal injury protection
Homeowners are also required to have enough insurance to cover the mortgage if disaster strikes. The Insurance Information Institute recommends motorists
The top four home insurance providers in Kentucky according to Simple Dollar include:
Kentucky Farm Bureau
State Farm in
Filing an insurance claim in Kentucky
If you want to file an auto accident, homeowner or another insurance claim, you need to contact your insurer. It is also advisable to speak with an insurance claims attorney to assist you with all stages of the claims process. The way your claim if filed and how it is handled will vary depending on the type the type of claim you are filing.
As part of the claims process, you need to have a record of you expenses and estimates for property repair. That includes any medical bills an auto accident victim incurs and property repair bills.
Insurance claim denial
In an ideal world, your insurance claim will be approved immediately for the amount you deserve, but most insurance claims aren’t resolved quickly. In fact, many claims are denied, and you must negotiate a better settlement.
An insurance company may deny or dispute your claim. Often, an insurer will dispute the amount you are asking for especially for an auto or home insurance claim. They may provide you with an estimate that they believe to be enough to cover the damages to your car or home.
If you are having any issue with an insurer and need to file a formal complaint, you can follow the instructions on the Kentucky Department of Insurance website. Visit the agency at http://insurance.ky.gov/.
Or, you can visit the Kentucky Department of Insurance office at:
215 West Main St, Frankfort, KY 40601
USAttorneys suggests you allow an insurance claims attorney to assist you with all aspects of your claim to ensure you get the settlement amount you need for you auto accident or home repair. Our network of insurance claims experts knows how to negotiate a better settlement and ensure you are completely protected.
Our team of insurance claim attorneys can help with the following insurance claims:
- Car accident
- Medical insurance
- Flood insurance
- Home insurance
- Fire Insurance
- Life insurance
- Claim denial