Kentucky is one of the states that operates on a “No-Fault” basis in the event of a car accident. This means that if you’re in an accident in Kentucky, you’ll be covered for medical bills, missed earnings, and other expenses, regardless of who caused the accident. Also, regardless of who is at fault, if you are a Kentucky resident with No-Fault coverage and are involved in an accident in any U.S. state, you are entitled to No-Fault payments. Personal Injury Protection, or PIP, is the name given to No-Fault benefits in Kentucky.
If you are injured in a car accident, PIP will cover you as long as you meet the following criteria:
Apart from such circumstances, PIP protects you whether you were at fault or not, whether you were a motorist, passenger, pedestrian, or bicyclist. PIP will cover medical expenditures, 85% of lost wages (up to $200 per week), and other expenses such as substitute services. The PIP carrier is required by law to issue payment wreck within 30 days of receipt of these expenses. All Kentucky drivers must have at least $10,000 in personal injury protection (PIP) insurance.
Even if you have health insurance, you should pay your medical expenditures with PIP first.
In most cases, PIP claims must be filed within two years of the accident.
PIP is a type of insurance that covers almost all car accidents in Kentucky. Your insurance provider will give PIP coverage for all passengers and drivers with permission to drive if you own the vehicle involved in the accident. If another motorist caused the accident, the other driver’s insurance carrier will reimburse your firm for the PIP compensation it paid out.
If you were a passenger and the vehicle was not insured, you can seek PIP payments from either your own or the other driver’s insurance company. If you were a pedestrian or a bicyclist, you can file a claim for PIP payments with the insurance company of the other driver. If the vehicle was not insured, the Kentucky Assigned Claims Bureau may be able to help you get PIP benefits.
PIP does not, however, pay all of your expenses, and it does not cover your pain and suffering as a result of a vehicle accident. You have the right to sue the individual who caused the accident for expenses in excess of the PIP limits, as well as for pain and suffering.
Should I reject Kentucky no-fault?
Unless No-Fault Insurance is expressly denied in Kentucky, Basic Reparation Benefits (Personal Injury Protection or PIP) are included in the liability package. You do have the option of declining your No-Fault Insurance. This must be communicated to you in writing by your insurance carrier. If you opt to do so, your vehicle accident case will be governed by Kentucky case law rather than the Kentucky No-Fault Statute. This denial must be submitted to the Office of Insurance in writing.
The act also provides for other benefits, such as how medical bills are paid, how to appeal denials of medical payments, and insurance company fines for erroneous denials of these payments. I’m afraid I won’t be able to go into detail about them here. Never, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever
Is Kentucky a no-fault law?
Yes, Kentucky is a “option no-fault” state, which means that drivers are obliged to have PIP coverage on their auto policies by default and submit accident claims via their own insurance first, but the Commonwealth does allow drivers to seek to opt out of the no-fault system.
How much will a no-fault claim raise my insurance?
For one non-fault claim, certain providers might hike your premiums by up to 30%, and up to 50% for two non-fault claims.
However, as time passes and you begin to recover your no-claims bonus, your claim will have less of an influence.
What does PIP pay for in Kentucky?
If you’re in a car accident in Kentucky, you’ll be covered by personal injury protection insurance. Because Kentucky is a no-fault state, PIP covers medical bills, lost earnings, and other costs linked to your injuries, regardless of who was at fault in the accident.
Except for motorcyclists, all drivers must have at least $10,000 in personal injury protection (PIP) insurance, though you can usually get up to $50,000 from your insurer. However, by acquiring personal injury protection, you accept to some limitations on your ability to sue the at-fault party. You can opt out of this personal injury protection law restriction by submitting a document to the state, but you will forfeit your own PIP payments.
How long after a car accident can you sue in Kentucky?
When you or a family member is involved in a car accident caused by someone else, you may question how long you have to file a lawsuit. In legal terminology, a statute of limitations refers to the length of time you have to file a lawsuit. In Kentucky, the statute of limitations for filing a lawsuit after an automobile accident in which someone is wounded or killed is usually:
- If a fatality occurs as a result of an automobile accident, you have one year from the date an administrator is appointed to file a claim.
Why is ky a no-fault state?
Kentucky is known as a no-fault state because of a legislation that requires each driver in the state to submit a claim with their insurance company first in order to get reimbursement for medical costs and other financial losses incurred as a result of the accident under their own insurance policy.
How does Kentucky insurance work?
Kentucky’s minimum auto insurance coverage is $25,000/$50,000/$10,000. Your physical injury limitations in the case of a covered accident are $25,000 per person, with a total maximum of $50,000 per incident. It also covers damage to another person’s property up to $10,000.
Kentucky auto liability coverage
If a lawsuit is filed against you as a result of a covered accident, liability coverage will pay for your legal defense. Property damage and bodily injury are two forms of liability coverage that must be included in your insurance policy if you live in Kentucky.
- If you are held legally responsible for a covered accident, property damage insurance protects your assets. It protects you against certain types of harm to another person’s property or vehicle.
- If you’re held legally responsible for a covered accident, bodily injury protects your assets, including some expenses related to bodily harm suffered by third parties.
Where is the fault line in Kentucky?
The New Madrid Seismic Zone (NMSZ) is an area of deep-seated faults in the Earth’s crust that zigzag southwest-northeast through Arkansas, Missouri, Tennessee, and Kentucky in the United States. The seismic zone is about 45 miles (70 kilometers) broad and 125 miles (200 kilometers) long, and it is located in the center part of the North American Plate. Thick layers of rock hide the fissures, which are then covered by deep, unstable alluvial material from the Mississippi, Missouri, and Ohio rivers.
Who pays the medical bills in a car accident?
In most cases, the victim of an automobile accident is responsible for paying his or her own medical bills. This is true even if the other driver was clearly at blame for the accident. If the victim has health insurance or Med-pay, the insurance company may pay for the expenses as they arise.
Do you have to declare a no fault accident?
Yes. You must report any and all accidents you are involved in, regardless of who or what is to blame.
Almost every insurance company has a condition in their policy that requires you to report any accidents you’ve had while driving in the previous five years. If you fail to report something and your insurance company learns about it later, your coverage may be voided.