What does no-fault insurance mean in Kentucky?

The state of Kentucky is called a no-fault state because of a law stating that each driver in the state of Kentucky has to file a claim with their insurance company first to get compensation for medical bills and other financial losses caused by the accident according to their own insurance policy.

Should I reject Kentucky no-fault?

The second reason, as a Kentucky auto accident attorney, I recommend that Kentucky No-Fault should not be rejected is that it provides valuable insurance benefits. At a minimum, it provides $10,000.00 of insurance covering medical expenses, lost wages and other replacement costs.

What happens if you have no insurance but the other driver was at fault in Kentucky?

Kentucky has penalties for those who drive without insurance. First, the vehicle’s registration is revoked. The owner can be fined between $500 and $1,000, or serve up to 90 days in jail. But that doesn’t stop some people from getting behind the wheel without a valid policy.

Who pays for car damage in a no-fault state Kentucky?

Yes, Kentucky is a “choice no-fault” state, which means that, by default, drivers in Kentucky are required to carry PIP coverage on their auto policy and file accident claims through their own insurance first, but the Commonwealth does allow drivers to opt out of the no-fault system by request.

How long after a car accident can you sue in Kentucky?

2 Years
2 Years From the Date of the Accident The Statute of Limitations in Kentucky for car accidents is two years from the date of the accident, or two years from the date the last no-fault medical payment (or no-fault PIP payment) was paid by your insurance company.

Who gets the PIP check KY?

Drivers, passengers, pedestrians and household members are eligible. If you’ve been involved in an accident in Kentucky, you’re going to have to reckon with PIP. PIP, or personal injury protection, is what pays the bills when accidents happen. That includes medical bills, lost wages and other out-of-pocket expenses.

How much is the PIP coverage in Kentucky?

$10,000 per person
Basic PIP provides up to $10,000 per person per accident for medical expenses, lost wages and similar “out of pocket” costs due to an injury. Higher benefits and deductibles are optional.

Is Ky A no pay no play state?

Currently, ten states have no pay, no play laws on the books: Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon.

Can you sue a uninsured driver Kentucky?

However, if an investigation by an attorney finds that the uninsured driver can pay, consider filing a personal injury lawsuit against the individual instead of going through insurance. An investigation may also find evidence of a third party’s fault, such as an auto part manufacturer or the government.

Do you have to have a police report to file an insurance claim in KY?

As a driver in an accident, you must file a report if police don’t because the law requires it. Failure to file a written accident report when required is punishable by a fine of $20 to $100. But there’s more to it than that. You must have an accident report on file to make an insurance claim after a car accident.

What are the requirements for PIP?

Eligibility

  • you’re 16 or over.
  • you have a long-term physical or mental health condition or disability.
  • you have difficulty doing certain everyday tasks or getting around.
  • you expect the difficulties to last for at least 12 months from when they started.