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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.
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.
Kentucky requires basic PIP coverage on all motor vehicles except motorcycles. Basic PIP is to be paid by the insurer of the vehicle in which the injured person is riding at the time of an accident, or the vehicle which strikes a pedestrian, regardless of who was at fault in the accident.
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.
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).
The thresholds in Kentucky are: $1,000 in medical expenses. A broken bone. Permanent disfigurement, permanent injury, or death, as these circumstances relate to KRS 304.39-060.