Kentucky is a no-fault state when it comes to car accidents. This means that your car insurance provider will be responsible for paying for the damages relating to your vehicle and your medical expenses, no matter who was at fault for causing the incident. This makes it especially important for you to carry comprehensive car insurance in Kentucky.
If you have been involved in a car accident and you are unsure of how to move forward with getting the damages that you deserve, it is important that you understand the basic personal injury protection that is required in Kentucky.
By law, all drivers in Kentucky should have taken out insurance that covers bodily injury damages of up to $25,000 per person, $50,000 total bodily injury, and $10,000 to cover property damage. You may have taken out insurance that covers you for a higher amount of damages.
How does the no-fault system affect my right to take legal action?
The no-fault system for car insurance can have its benefits, because it potentially makes car insurance claims simpler. However, it means that the driver gives up their right to sue another party. It also protects drivers from being sued themselves in many situations. This can mean that an at-fault driver does not face the consequences of their actions.
You can opt out of the no-fault system, and in doing so, you will be able to try to sue the other driver if you think that this is the right thing to do. If you want to sue for personal injury, you will need to do so within one year. If you want to sue for property damages, you have a two year window in which to take action.
What kinds of damages can I get back from my car insurance?
Within the no-fault system, you will be able to retrieve property damages, as well as economic damages relating to your medical care, such as medical bills.
If you are struggling to gain the damages you think you deserve after a Kentucky car accident, you may want to learn more about how you can use the law to work in your favor.