If you’re involved in an accident with an uninsured driver in Kentucky, it’s crucial to know your options. Kentucky is a “no-fault” state, meaning your own insurance policy will cover your medical expenses and lost wages up to a certain limit, regardless of who is at fault. However, if damages exceed your policy limits, you may face challenges. It’s advisable to have Uninsured Motorist (UM) coverage, which can help cover costs if the other driver lacks insurance. Without UM coverage, you might need to pursue legal action against the uninsured driver, which can be time-consuming and costly. Always report the accident to the police and your insurance company promptly. Consulting with a local attorney experienced in Kentucky traffic laws can provide guidance tailored to your situation.