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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 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.
Contact the Police You are required to contact the Kentucky State Police if there is damage to vehicles or property that totals more than $500. It is recommended that the collision be looked into and a report be filed by a local law enforcement officer or a state trooper.
Kentucky is a pure comparative negligence state. If both you and the other party in an accident are partially responsible for causing the accident, the fault will be distributed between you both in percentages. If the accident was mostly the fault of one driver, that driver would bear a greater percentage of the fault.
In addition to filing a car accident report within 10 days, Kentucky allows only one year from the date of the accident to file a 'personal injury' lawsuit and two years to seek compensation for 'property damage.
What is the auto accident statute of limitations in Kentucky? There is a two year statute of limitations for auto accident claims in Kentucky. This limitation is found in Kentucky Revised Statute § 304.39-230, which states: 304.39-320 Limitations of actions.
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.