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In Kentucky, the no-fault car insurance law means that you will file a claim with your own car insurance provider after a car accident whether or not you caused the crash. Your own car insurance policy will cover your damages without requiring proof of someone else's fault.
Acceptance of No-Fault Insurance denies each individual the right to sue a negligent motorist unless certain requirements are met. You and any member of your household can retain the right to sue by completing this form and mailing it to the Kentucky Department of Insurance.
Do you know what to do after a car crash? Seek medical attention if you are injured. ... Contact the local authorities. ... Get details from all drivers and passengers involved. ... Obtain license plate numbers of vehicles involved. Get the names, phone numbers, and addresses of any witnesses present.
In order to sue someone after a car accident in Kentucky, you must have at least $1,000 in medical expenses or have suffered any one of the following; A broken bone. Loss of a bodily function. Disfigurement.
Most states are broadly categorized as ?no fault states? or ?at-fault states,? depending on which driver's insurance company takes first priority for paying out medical expenses and lost wages for car accident claims. Where does Kentucky fall? The short answer is yes: Kentucky is a no-fault state.
In general, personal injury claims arising from car wrecks and truck wrecks must be settled or filed in court no later than 2 years after the date of the injury, death or the last payment of no-fault insurance benefits was made to the injured party.
Enacted in 1975, Kentucky's Motor Vehicle Reparations Act, KRS 304.39 (sometimes referred to as the No-Fault Law) has two components: personal injury protection (PIP) coverage and limitations on an individual's right to sue and be sued (tort rights).
Getting into an accident without insurance in Kentucky Additionally, since Kentucky is a no-fault state, each driver must process their claims through their insurance. Therefore, even if you were not at fault for the accident, you would still have to pay for your vehicle damage and medical bills out of your pocket.