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How does Kentucky’s no-fault insurance work?

| Feb 24, 2021 | Motor vehicle crash

Costs could pile up quickly after a car accident, and it can be hard to know where to turn. No-fault insurance may help with some costs, but the coverage doesn’t come without fine print.

Car accidents injured over 32,000 people in Kentucky in one year, according to the latest numbers from the Kentucky State Police. Many of those drivers could benefit from the state’s no-fault insurance policy, though not every situation makes the grade.

A helping hand

No-fault insurance can step in after a collision to help cover basic costs. Medical expenses, lost wages from missing work and other out-of-pocket costs can all get in line. Unexpected emergencies can present some troubling costs, but your insurer could be the one paying, regardless of who’s to blame for the accident.

Opting out

Kentucky allows drivers to opt-out of no-fault insurance, meaning you could seek compensation from the at-fault driver. However, this could also open you up to litigation in the same way and will likely cost you the no-fault benefits from your insurer.

Short of the limit

Turning down no-fault coverage doesn’t mean there will never be an opening for recovery in court. The coverage will handle damages up to a certain point, but serious consequences from an accident could reopen the door the litigation:

  • $1,000 or more in medical expenses or broken bones
  • Permanent disfigurement or injury
  • Death stemming from the accident

It’s important for drivers to know exactly where they stand after an accident and if they can benefit from a no-fault policy. Costs can be hard to manage immediately after a crash, and a little help could be very welcome.