There are many costs associated with a typical car crash in Kentucky. You might have to repair your vehicle, handle medical bills or deal with the results of pain and suffering. All of that has the potential to add up quickly.
As for the question of who pays for losses after a car accident, the answer is not always straightforward. Generally speaking, insurance will often cover these costs. However, the Commonwealth has some rather uncommon insurance laws that complicate the matter.
You may already know that the Kentucky is among the minority of states that require drivers to carry no-fault insurance. However, this does not necessarily mean that you have to cover all of your losses alone.
The no-fault insurance system is designed to help you recover from certain conditions regardless of who was at fault for the injury. It is not meant to let people shirk their responsibility when they cause harm to others. As explained on Kentucky’s official drivers’ information portal, $25,000 of both personal-injury and property-damage liability coverage is still mandatory.
In some cases, it would be in your benefit to claim the coverage offered by your no-fault policy. Depending on your case, the other driver’s insurance could then cover all of the other costs of recovering from your accident.
There are many exceptions to this situation. Your costs may exceed the limits of the other party’s coverage, or you may be ineligible for your own no-fault coverage for some reason. Please seek specific legal advice so you have the ability to make the best possible decision. This is only intended as general information.