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Kentucky Car Accidents: What You Need To Know

Many people in Kentucky don’t understand how complicated the state’s automobile insurance requirements are until a serious accident happens. At Levy Law Offices, we have a thorough understanding of insurance and car accident issues that are specific to Kentucky. If you were recently injured in an accident, we can work to maximize your compensation and help you turn your crash into CASH!

For a free consultation, contact us in Cincinnati. Our attorneys represent clients in Northern Kentucky and throughout the Tri-State Area. Call 513-655-5089 today.

Kentucky Car Insurance: An Overview

State law requires drivers to have the following types of liability insurance coverage at a minimum:

  • $25,000 for bodily injury per person involved in an accident
  • $50,000 for total bodily injury per accident

If you were seriously injured in an accident with a driver who has only the minimum auto liability insurance, your costs could quickly exceed the amount to be paid by the other driver’s insurance policy. That is why many people choose to purchase underinsured motorist (UIM) coverage, which kicks in to provide additional compensation if the other driver’s insurance isn’t sufficient to cover your costs.

Learn more about UIM insurance at our uninsured and underinsured motorist FAQ.

No-Fault Insurance In Kentucky

An additional type of coverage is no-fault insurance, which is also called personal injury protection (PIP) coverage. In fact, Kentucky requires that vehicle insurance policies have PIP coverage — with the exception of motorcycle insurance policies.

Regardless of who was at fault for a crash, PIP coverage pays up to $10,000 in injury-related expenses per person, per accident. With PIP coverage, however, the injured party cannot sue the at-fault party for damages — with some exceptions. The injured party can seek compensation from the at-fault party for:

  • Medical costs exceeding $1,000
  • Broken bones
  • Permanent injury
  • Permanent disfigurement
  • Death

If you have PIP coverage, you can reject your right-to-sue limitations if you do so with the proper form and submit it to the Department of Insurance. However, if you do that, you also lose your PIP coverage.

We Know It’s A Lot For An Injured Person To Think About

The details of insurance policies are understandably the last thing you want to be thinking about if you have suffered a serious injury in a car accident. Let us alleviate your burdens and handle the insurance matters while you focus on healing. Our team of skilled and dedicated lawyers can explore every available option for maximizing your compensation for medical bills, lost wages and other costs resulting from the crash.

We know insurance companies, and we know how to protect you from their attempts to minimize the amount you receive.

Get A Free Consultation

Let us help you turn your crash into CASH! Our attorneys represent clients in Northern Kentucky and Ohio and throughout the Tri-State Area. Call 513-655-5089 today to schedule a free consultation. We are available 24/7 to answer your questions and help you get the compensation you need and deserve.