When it comes to car insurance, Kentucky has unique laws. According to the Kentucky Driver Manual, “all motor vehicles registered or operated in Kentucky must be covered by liability insurance and basic no-fault personal injury insurance.” Kentucky is one of twelve states with no-fault laws, and one of three states in the US has “choice no-fault” laws. Having a comprehensive understanding of these laws can provide assistance when seeking much-needed compensation for a car accident.
No-fault insurance covers every person involved in the car wreck, even if they are at fault. So, if you cause a car accident and are hurt, no-fault insurance (PIP) will cover you for up to $10,000 in lost wages (up to $200 a week) and medical bills. However, you will not be able to recover from the other driver's liability insurance since you were at fault. Below is a chart for reference on what policies of insurance apply based on who is at fault.
|Are you at fault for the Wreck?||What Coverage applies?|
According to No-Fault Insurance Quotes, Kentucky’s no-fault insurance is also known as PIP or personal injury protection. In Kentucky, PIP covers the costs of medical expenses and revenue losses after a car accident. Not only the policyholder but also anyone present in the vehicle at the time of the accident is eligible to obtain PIP coverage under the policy. There are a wide variety of medical costs that can be covered. If a car accident victim is injured to the extent that they require medical attention/hospitalization, this will be covered through their insurance. Whereas expenses for prescriptions and rehabilitation are only sometimes covered.
In addition to PIP coverage, Kentucky law requires vehicle owners to provide minimum amounts of liability insurance. Liability car insurance covers injuries and damages to property if you are at fault for an accident. As stated in the Kentucky Driver Manual, the minimum requirements in Kentucky for liability insurance are:
Unfortunately, car accidents can rack up medical bills and repair expenses higher than the $10,000 covered through no-fault insurance. Furthermore, insurance companies may not provide the medical provider's payment right away because they will be fighting with the medical provider over the cost of the treatment. This could negatively impact your credit score and cause other issues down the road.
Just because you buy the insurance doesn't mean the companies will necessarily hand it over, but that's what we help with. But, we can't help unless there is Coverage to go get.
The Dixie Law Group fights insurance companies to get back what was taken after a car accident, truck accident, slip, and fall or workplace injury. If you have questions about your PIP or UIM Coverage or were in a wreck and the insurance company is refusing payment, please give us a call at 502-305-4654.
You will receive a 100% free consultation with an attorney. Dixie Law Group, PSC – A Neighborhood Personal Injury Law Firm
We work closely with our clients and offer vigorous representation both in and out of the courtroom. If you would like to learn more about our services, please reach out to our office today.
You can contact our lawyers in Louisville at 502-806-8711 or contact us online. Initial consultations are always free.