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Karl Truman: Trusted Uninsured / Underinsured Motorist Claim Lawyer Serving Kentucky and Indiana
Offices in Louisville, KY and Jeffersonville, IN
Being injured by a drunk driver is infuriating. It was entirely preventable. Someone made a reckless choice and you are the one suffering the consequences. You deserve aggressive representation from an attorney who treats this case with the seriousness it demands.
Attorney Karl Truman brings the discipline and leadership of a retired Lieutenant Colonel in the U.S. Army to every drunk driving injury case. We pursue maximum compensation and leave nothing on the table, including punitive damages when the evidence supports them.
Our legal team handles:
- Personal injury claims against drunk and impaired drivers
- Dram shop liability claims against bars, restaurants, and social hosts
- Wrongful death claims when a drunk driving crash is fatal
- Punitive damages claims based on the driver’s reckless conduct
- Criminal case coordination to strengthen your civil recovery
No fees unless we win. Available 24/7 throughout Louisville, Southern Indiana, and all of Kentucky and Indiana.
Count on the Colonel
Retired Lt. Colonel, U.S. Army
Karl Truman: Trusted Uninsured / Underinsured Motorist Claim Lawyer Serving Kentucky and Indiana
Understanding Uninsured / Underinsured Motorist Claims
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) are protections you purchase as part of your own auto insurance policy. When the at-fault driver cannot cover your damages, you turn to your own coverage. But your own insurer does not always pay willingly.
In Kentucky, UM coverage is required by law. In Indiana, insurers must offer it, and drivers can choose to reject it in writing. Under both state laws, drivers are required to carry at least $25,000 in bodily injury liability coverage per person and $50,000 per accident. When serious injuries are involved, those minimums evaporate fast.
Hit-and-run cases present a special challenge because there is no at-fault driver to pursue. Your UM coverage may be your only avenue for recovery, and we know how to maximize it.
Why Uninsured / Underinsured Motorist Claim Cases Are Different
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1
Your Own Insurer as Opponent
In UM/UIM claims, your own insurance company is often working against you. They want to pay as little as possible. We are experienced in fighting insurers on their own policyholders' behalf.
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Coverage Disputes
Insurers frequently dispute whether UM/UIM coverage applies, how much is available, and whether stacking is permitted. We know these arguments cold and how to defeat them.
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Policy Stacking
If you have multiple vehicles or policies, you may be able to stack UM/UIM coverage to increase your available compensation. We identify every policy that may apply.
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Hit-and-Run Complexity
Hit-and-run claims require specific steps and documentation. We handle this process and fight to ensure your uninsured motorist coverage pays what you are owed.
How We Handle Uninsured / Underinsured Motorist Claim Cases
From the moment you call, we take over the legal fight. You focus on recovery. We handle everything else.
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Thorough Investigation
We move immediately to build the strongest possible case: gathering records, securing evidence, consulting experts, and documenting every aspect of your situation before anything is lost or altered.
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Handle All Paperwork
From insurance claims to medical records, legal filings, and demand letters, we manage every detail so you can focus on healing. You will never be left wondering what is happening with your case.
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Fight for What You Deserve
The party on the other side of your claim has professionals working to minimize what they pay you. We deal with them directly and protect you from every tactic designed to undervalue your claim.
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Trial-Ready Representation
While most cases settle, we prepare every case for trial. The other side knows we will not back down, and that gives us the leverage to secure maximum compensation.
Knowledge Center
Uninsured / Underinsured Motorist Claim Resources
Free educational guides and resources to help you understand your rights, the legal process, and how to protect your claim.
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How to Handle an Accident With an Uninsured Driver
If you’ve been in a car accident with an uninsured or underinsured driver, Truman Law Office in Kentucky and Indiana can help.Learn More -
Pedestrian Accidents Involving Uninsured Drivers
As someone who was hit by an uninsured driver in a pedestrian accident, who do you turn to for injury...
Frequently Asked Questions
Comprehensive answers about personal injury law in Kentucky and Indiana. Find the information you need to make informed decisions about your case.
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What is uninsured motorist coverage and when does it apply?
Uninsured motorist coverage is a part of your own auto insurance policy that pays your damages when the at-fault driver has no insurance. It also typically applies in hit-and-run cases where the driver is never identified.
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What is underinsured motorist coverage?
Underinsured motorist coverage applies when the at-fault driver has some insurance, but their policy limits are not enough to cover your full damages. Your UIM coverage makes up the difference, up to your own policy limits.
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My own insurance company denied my UM claim. What can I do?
You can fight it, and you should. Insurance companies are required to honor valid claims. If yours denied your claim without proper basis, we can challenge that denial and pursue the coverage you paid for.
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Can I stack UM/UIM coverage from multiple policies?
Possibly. Kentucky and Indiana have different rules on stacking. In some circumstances, you can combine coverage from multiple vehicles or policies to increase your recovery. We analyze your specific situation.
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Q: What if the hit-and-run driver is never found?
Your uninsured motorist coverage is typically available in hit-and-run cases even if the driver is never identified. There are specific requirements for reporting and documentation that we guide you through.
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How much does it cost to hire a UM/UIM attorney?
Nothing upfront. We work on contingency. No fee unless we win.
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How long do I have to file a UM/UIM claim?
In Kentucky, the statute of limitations for most personal injury claims is two years from the date of the last PIP payment. Indiana’s statute of limitations is two years from the date of the accident. Claims involving government vehicles or road conditions may have even shorter deadlines. Contact us as soon as possible to protect your deadline. Do not wait.
Still Have Questions About Your Case?
Get personalized answers from Colonel Karl Truman and our experienced legal team during your free consultation.
Serving Personal Injury Victims Across Kentucky & Indiana
Karl Truman Injury Law represents clients in Louisville, Jeffersonville, Lexington, Bowling Green, Owensboro, Covington, and throughout Kentucky and Indiana. We handle car accidents, truck accidents, motorcycle accidents, slip and fall cases, medical malpractice, workers’ compensation, wrongful death, dog bites, premises liability, and all types of personal injury claims. Available 24/7 for free consultations.
Your Free Consultation Awaits
Count on the Colonel
Take the first step toward justice. Contact The Colonel today for a no-obligation case review and experience the difference disciplined authority makes.