If you have been in a car accident in Kentucky, understanding state and local law will help you properly respond in the moment. You have certain rights and responsibilities, and there are things you can do help your insurance claim or possible litigation later.
Before taking any other action, check on all individuals involved to see if they need medical assistance. Next, if you can do so without causing additional harm to persons or property, move yourselves and any vehicles out of the flow of traffic.
Responding in the moment
State law mandates that you call the police if there is any injury to persons involved or any property damage. So dial 911 and wait for the officer. He or she will create an accident report when they arrive at the scene. You may also create your own report and file it with the state within ten days. Either way, you have a right access your accident report later for a nominal fee online or via mail.
Get names, information, and contact details from everyone involved — including passengers. Document exactly what happened while it’s fresh in your mind. Take photos and document evidence of any damage to property. Find witnesses and write down their contact information. If you can, get their version of events right away.
Filing a lawsuit
If you decide to bring a lawsuit after a car accident, Kentucky is a no-fault state — meaning that damages must meet certain minimums. However, you may be eligible for damages even if you were partially at fault for the accident. The statute of limitations for personal injury claims in Kentucky is one year; for property damage, two years.