{"id":47322,"date":"2022-07-28T15:11:03","date_gmt":"2022-07-28T20:11:03","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/?page_id=47322"},"modified":"2023-08-29T19:16:14","modified_gmt":"2023-08-29T19:16:14","slug":"faqs-on-insurance-issues-in-car-accidents","status":"publish","type":"page","link":"https:\/\/debrabrozlaw.com\/es\/personal-injury\/faqs-on-insurance-issues-in-car-accidents\/","title":{"rendered":"Preguntas frecuentes sobre seguros de autom\u00f3vil"},"content":{"rendered":"

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COBERTURA UM \u2013 \u00bfDeber\u00edas tenerla?<\/strong><\/h1>\n

Si alguien te choca en Kentucky, hay una probabilidad de 16% de que esa persona no tenga seguro de autom\u00f3vil.<\/p>\n

La cobertura para conductores sin seguro o UM est\u00e1 incluida en todas las p\u00f3lizas de autom\u00f3viles nuevos vendidos en Kentucky.<\/p>\n

\u00a0<\/strong>Si tiene un accidente con un conductor sin seguro y resulta herido, puede presentar un reclamo a su p\u00f3liza de conductor sin seguro por sus lesiones.<\/p>\n

La \u00fanica forma de no tener cobertura de UM es rechazarla por escrito. Nunca lo hagas. Cuesta muy poco y es invaluable.<\/p>\n

COBERTURA UIM \u2013 \u00bfDeber\u00edas tenerla?<\/strong><\/h2>\n

La cobertura UIM o para conductores con seguro insuficiente lo protege en caso de que resulte lesionado en un accidente causado por otra persona que no tiene cobertura de seguro suficiente para cubrir su p\u00e9rdida.<\/p>\n

La mayor\u00eda de los conductores en Kentucky tienen el seguro m\u00ednimo requerido, que es un m\u00e1ximo de $25,000 por las lesiones de una sola persona.<\/p>\n

Si resulta gravemente herido en un accidente automovil\u00edstico, sus facturas m\u00e9dicas por s\u00ed solas podr\u00edan f\u00e1cilmente superar los $$25,000.<\/p>\n

ESTADO SIN FALLA \u2013 \u00bfQu\u00e9 es un estado sin falla?<\/strong><\/h2>\n

Kentucky es un estado sin culpa. Esto significa que, independientemente de qui\u00e9n tenga la culpa en un accidente, el seguro de su auto cubrir\u00e1 los gastos m\u00e9dicos y la p\u00e9rdida de ingresos hasta por 10\u00a0000 T\/T.<\/p>\n

Puede comprar m\u00e1s de $10,000.00 para cubrir facturas m\u00e9dicas y salarios perdidos: esta parte del seguro de autom\u00f3vil se llama beneficios de protecci\u00f3n contra lesiones personales (PIP).<\/p>\n

SEGURO PIP \u2013 \u00bfQu\u00e9 es (PIP) \u2013 protecci\u00f3n contra lesiones personales?<\/strong><\/h2>\n

El seguro de protecci\u00f3n contra lesiones personales en Kentucky ofrece cobertura si sufre un accidente automovil\u00edstico. La cobertura PIP cubre los gastos m\u00e9dicos, la p\u00e9rdida de salario y otros costos relacionados con sus lesiones, independientemente de qui\u00e9n sea el responsable.<\/p>\n

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COBERTURA PARA CONDUCTORES SIN ASEGURO: \u00bfDeber\u00eda tenerla? Si alguien lo choca en Kentucky, hay aproximadamente un 161% de probabilidades de que la persona no tenga seguro de auto. La cobertura para conductores sin seguro (UM) est\u00e1 incluida en todas las p\u00f3lizas de seguro de auto nuevas que se venden en Kentucky. Si sufre un accidente con un conductor sin seguro y resulta lesionado, puede presentar un reclamo [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"parent":46115,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"

UM COVERAGE \u2013 Should you have it?<\/strong><\/h1>\r\nIf someone hits you in Kentucky, there\u2019s about a16% chance that the person doesn\u2019t have car insurance.\r\n\r\nUninsured Motorist Coverage or UM in included in all new Kentucky car policies sold.\r\n\r\n\u00a0<\/strong>If you\u2019re in a wreck with an uninsured driver and you\u2019re injured, you can make a claim on your uninsured motorist policy for your injuries.\r\n\r\nThe only way you will not have UM coverage is you reject it in writing.\u00a0 Don\u2019t ever do this.\u00a0 It costs very little and is invaluable.\r\n

UIM COVERAGE \u2013 Should you have it?<\/strong><\/h2>\r\nUIM or Underinsured Motorist Coverage protects you in case you are injured in a wreck by someone else who has insufficient insurance coverage to cover your loss.\r\n\r\nMost drivers in Kentucky have the minimum insurance required, which is a maximum of $25,000 for the injuries of a single person.\r\n\r\nIf you\u2019re seriously hurt in a car wreck, your medical bills alone could easily be more that $25,000.\r\n

NO FAULT STATE \u2013 What is a no fault state?<\/strong><\/h2>\r\nKentucky is a no fault state.\u00a0 This means that regardless of who is at fault in a wreck, the insurance on the car you are in will pay medical bills and lost wages up to $10,000.00.\r\n\r\nYou can buy more than $10,000.00 to cover medical bills and lost wages \u2013 this piece of car insurance is called personal injury protection benefits (PIP).\r\n

PIP INSURANCE \u2013 What is (PIP) \u2013 personal injury protection?<\/strong><\/h2>\r\nPersonal injury protection insurance in Kentucky provides coverage if you are in a motor vehicle wreck.\u00a0 PIP pays for medical expenses, lost wages, and other costs related to your injuries no matter who is at fault.","_et_gb_content_width":"","footnotes":""},"class_list":["post-47322","page","type-page","status-publish","hentry"],"yoast_head":"\nFAQs On Car Insurance Issues - Debra L. Broz, Attorneys at Law, PLC<\/title>\n<meta name=\"description\" content=\"UM COVERAGE \u2013 Should you have it? 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