Kentucky’s No-Fault Rules and What they Mean for Accident Victims

Personal injury claim
Lexington, KY- There is a good chance that the majority of Kentuckians will be involved in at least one traffic accident during their lifetime. If they’re lucky, any injuries or damage will be minimal and they can easily recover the necessary compensation. That however is not always the case and some accident victims must overcome numerous hurdles when trying to recover compensation for their accident. One of those hurdles is the state’s no-fault statutes.
Kentucky, like 12 other states, is a no-fault state. In states with no-fault rules, accident victims must first file a claim with their insurance company, regardless of who is at fault. Medical costs, property repair costs and lost wages and any other damages are paid by the victim’s insurance company. No-fault statutes limit personal injury suits by requiring they meet thresholds defined by the Kentucky Department of Insurance.  If an accident victim’s medical expenses exceed $1,000, they suffer a broken bone, they are disfigured, disabled or killed they meet the legal thresholds and can file a personal injury or wrongful death suit. Those thresholds are somewhat vague, but work to the benefit of accident victims by giving them greater latitude to file a formal injury claim.
If you have been seriously injured, USAttorneys recommends you contact an accident lawyer in Kentucky to explain the no-fault rules and how they affect your case. You may not realize you have grounds to pursue compensation above what your insurance company is offering. Considering the high cost of medical care in this country, accident victims often face bills that far exceed the settlement an insurer is willing to pay. If you don’t have legal counsel, you may have to cover some of your medical expenses out of your own pocket.
Under Kentucky’s no-fault rules, an accident victim must fully cooperate with their insurance company. If you were filing an injury claim in a state without no-fault rules, a lawyer would encourage you to say as little to an insurer as possible, but is no-fault states, you are required by law to speak with and comply with any requests an insurer has. Failing to or refusing to cooperate gives an insurance company the right to terminate your claim and you’ll get nothing.
Fortunately, there are no damage caps in Kentucky personal injury claims.
Accident victims should speak with an accident lawyer near their Kentucky location before accepting a settlement or making any other mistake that could drastically reduce the compensation they ultimately receive. Our team or personal injury and wrongful death attorneys understand the weeks and months following an accident are troubling and taxing. They are dedicated to making the claims process less harrowing and more productive.
When you want excellent representation, let USAttorneys match you with a lawyer near your Kentucky location. You can set up a consultation so you can get the information you need to make a wise decision about how to proceed with your case and how to secure the compensation you deserve.

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