Bates & Slone Attorneys At Law

04/06/2026

Uninsured Motorist (UM) Coverage

Uninsured Motorist Coverage or UM is one of the best investments you can ever make with the money you spend on car insurance.
UM is a type of insurance that protects you and your family when you are involved in a wreck with someone who has no insurance.
UM acts as a backstop. It covers, your lost wages, your medical expenses and your pain and suffering.
If you are involved in a wreck that is not your fault, at times you will find that the person who caused the wreck has no insurance.
We cannot begin to count the times we have advised clients with serious injuries that the person who caused the wreck had no insurance. It is then, when we ask our clients this important question – Did you have Uninsured Motorist (UM) Coverage?
By state law car insurance companies must sale UIM coverage unless it is specifically waived by the customer.
Never waive UM coverage. This is one of the worst mistakes you can make. UM is very inexpensive and it is very important to have.
UM is usually the cheapest insurance to buy.
Most times it is a mere fraction of the premium you pay your car insurance company. For that reason, it is one of the best investments you can ever make.
We would encourage anyone who has car insurance to call their agent and ask them how much UM coverage they currently have and how much more it would cost to double the amount they have on their existing policy. It is a decision you will not regret.

01/06/2026

This story is troubling in so many ways.
Legally, we fail to see how Geico could successfully void coverage in this type of situation.
Geico most likely paid the claim since they knew they would be unlikely to win if the family in question filed a lawsuit.
If Geico, or any other insurance company for that matter, makes this type of denial, please contact an attorney immediately. You could be entitled to not only payment on the claim but additional compensation for bad faith.

After a crash, a family discovered their car insurance policy required listing all household members, regardless of age, to ensure coverage.

11/11/2025

10/30/2025

Injured in wreck? Contact Bates & Slone for a free consultation today.

10/01/2025

Underinsured Motorist (UIM) Coverage

Underinsured Motorist Coverage or UIM is one of the best investments you can ever make with the money you spend on car insurance.

UIM is a type of insurance that protects you and your family when you are involved in a wreck with someone who only has the bare minimum. UIM acts as a backstop. It covers, your lost wages, your medical expenses and your pain and suffering, which often times are much more than the coverage the at fault driver has.

If you are involved in a wreck that is not your fault, you will often find that the person who caused the wreck only has a limited amount of insurance, often times $25,000 per person or $50,000 each accident, the legal limits in the state of Kentucky.

We cannot begin to count the times we have advised clients with serious injuries that the person who caused the wreck only carried the state mandatory limits. It is then, when we ask our clients this important question – Did you have Underinsured Motorist (UIM) Coverage?

The reply we often receive is - What is that? Unfortunately, they soon find out they did not purchase UIM.

Most car insurance companies will not offer UIM coverage unless it is specifically requested by the customer. Since most customers have no idea what UIM is, they are not given the opportunity to buy this important insurance.

The most ironic thing about UIM is that it is the cheapest insurance to buy. Most times it is a mere fraction of the premium you pay your car insurance company. For that reason, it is one of the best investments you can ever make. We would encourage anyone who has car insurance to call their agent and ask them if they have UIM coverage and if not to add it to their existing policy. It is a decision you will not regret.

02/24/2025

Accidents can happen, but don't let a slip and fall injury leave you struggling. Our team at Bates & Slone Attorneys At Law in Hazard, KY is here to fight for your rights and get you the compensation you deserve. Call us at 606-785-5581 today.

02/21/2025

Accidents can happen anywhere and Bates & Slone is here to help you get back on your feet. If you have suffered an injury that’s not your fault, don't hesitate to give us a call at 606-785-5581 or visit us in the web at www.batesslone.com. Your financial recovery is our mission.

02/19/2025

Wrongful death cases require sensitivity and expertise. Bates & Slone Attorneys At Law is dedicated to providing compassionate support while fighting for justice on your behalf. Contact us at 606-785-5581 to learn more about your options.

02/17/2025

Accidents can happen at any time, but our team at Bates & Slone Attorneys At Law is here to fight for your rights. If you or a loved one has been injured in a truck or tractor-trailer accident, don't wait. Contact us today at 606-785-5581 for an experienced approach to your case.

02/14/2025

Accidents can happen at any moment, but our team at Bates & Slone Attorneys At Law is here to help you get the justice and compensation you deserve. If you've been injured in a truck or tractor-trailer accident, let us fight for your rights. Contact us today at 606-785-5581.

02/12/2025

When a truck or tractor-trailer accident occurs, the consequences can be devastating. Bates & Slone Attorneys At Law has the experience to navigate these complex cases. Let us fight for your rights. Contact us at 606-785-5581 today.