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Benefits of Underinsured Motorist Coverage

Attorney Mark Troy strongly urges you to consider adding adequate underinsured (UIM) motorist coverage to your West Virginia or Kentucky auto insurance policy. He has witnessed how adequate UIM coverage can make the difference between financial devastation, and being able to pay for expensive medical bills and support yourself following a serious accident. Recently, Mr. Troy resolved two cases in which he was able to recover $75,000 for his clients, instead of the minimum $25,000 in liability carried by the at-fault driver. These recoveries were possible because the accident victims had sufficient underinsured coverage.

If you or a loved one has been injured in a car crash in either of these states, please call attorney Mark Troy for a complimentary case review at (304) 315-2299.


As an experienced attorney handling accident cases in WV and KY, Mark Troy has seen how costly and damaging a serious crash can be. Accidents are always unexpected, but auto insurance is supposed to help you when you are faced with an expensive injury. In both states, motorists are required by law to carry certain minimum coverages.

In Kentucky, the minimum coverage requirements are:

  • $25,000 for bodily injury, per person, per accident
  • $50,000 for bodily injury for all persons, per accident
  • $25,000 property damage liability

KY does not require you to carry underinsured motorist coverage or uninsured motorist coverage, which are designed to pay you when you are injured in an accident caused by a driver without insurance or a driver with insufficient insurance.

In West Virginia, these are the minimum auto insurance limits required by law:

  • $25,000 for bodily injury, per person, per accident
  • $50,000 for bodily injury for all persons, per accident
  • $25,000 property damage liability

The state of WV also requires a minimum amount of uninsured motorist coverage:

  • $25,000/$50,000 UM bodily injury
  • $25,000 UM property damage liability

Like Kentucky, underinsured motorist coverage is not required in WV. But as we'll explain below, it is very wise to opt into UIM coverage and to get the greatest amount you can afford.


Normally when someone injures you in an accident they caused, their insurance policy pays your damages. If a motorist purchases only the minimums listed above, the payment may be insufficient to cover your medical needs, property damage, and lost wages.

In addition to your own required liability coverage, it is wise to purchase UIM coverage. It's there for you when someone else's coverage – the coverage of the person who caused the accident – is not enough. UIM will help you protect yourself and your loved ones. It's a good idea to purchase as much UIM coverage as you can reasonably afford. You should also carry as much liability insurance as you can reasonably afford.

You should also carry as much uninsured motorist (UM) coverage as possible. It is there to protect you if the person who injured you carries no liability insurance whatsoever, or if the accident was a hit-and-run.

After a crash with an inadequately insured driver, you may be able to collect the full amount available from their policy, as well as the full amount available from your own UIM or UM coverage. You deserve to be made whole again following a car wreck. Attorney Mark Troy works tirelessly to recover for your economic losses, pain and suffering, lost wages and other damages.


The only way to know if you have a case is to call experienced car accident attorney Mark Troy at (304) 315-2299. Mr. Troy advocates on behalf of accident victims in both Kentucky and West Virginia, including Charleston, Huntington, Ashland, and Prestonsburg. He can help you determine if you have uninsured or underinsured motorist coverage and if it can help you in this situation.