Nobody wants to think about being in an automobile accident, but given how often Kentuckians get behind the wheel, it is an inevitability for most of us. If you have gotten into an accident, it is important to understand how Insurance works in the state of Kentucky. Having understanding of this prior to an accident will help you deal with the aftermath. According to Findlaw, Kentucky is a no-fault insurance state.
This means that if you end up in a car accident where there are medical bills less than $1,000 and no permanent injury or death occurred, the party who was injured may not sue any other party involved in the accident no matter who was at fault. In the event that the injuries are more serious than this, the insurance policy of the non-injured driver will usually cover all of the expenses related to the accident.
However, there is the fact that many people do drive without being properly insured. In the event that one party in the accident is uninsured, this means that he or she will be unable to pay any large damages. Since this is the case, it is advisable for Kentucky drivers to purchase specific uninsured motorist coverage, as this will help defray the costs of large expenses if the other party involved in an accident does not carry appropriate insurance.
In the event that you walk away from the accident with a lot of medical bills, there is the possibility of suing the other driver. This will require determining which party in the accident was at fault, which can be a complicated process. Generally speaking, the majority of Kentucky courts will find that both parties are to blame to some extent.