If you’ve been injured in a car accident as the result of another driver’s negligence, you may be entitled to compensation for your medical expense, lost income, pain, and suffering. Being injured causes physical, emotional, and financial stress, so you need legal representation who will explore your options and guide you through the process of obtaining a fair settlement or judgment.
The attorneys at Bland & Birdwhistell, PLLC bring more than 70 years of combined experience helping people injured in vehicle crashes find compensation and restore peace of mind. We serve clients in Elizabethtown, Kentucky, and the surrounding counties and communities.
Determination of Fault
Kentucky is generally a no-fault state for auto insurance and injury settlement which means that regardless of who was at fault for the accident, drivers seek compensation for damages under a Personal Injury Protection (PIP) policy.
However, Kentucky does allow car owners to "opt-out" of the no-fault system when choosing and purchasing a car insurance policy. This would allow the driver to pursue a liability claim should an accident occur but it also leaves them vulnerable to being sued by other drivers. Drivers who opt-out are also unable to access PIP benefits.
Filing a Claim
By law, every Kentucky auto owner must carry insurance with the minimum requirements of:
- $25,000 bodily injury per person, $50,000 total bodily injury per accident, and $10,000 property damage per accident OR or $60,000 combined Liability Coverage;
- Uninsured Motorist Coverage (except when rejected in writing); and
- Basic No-Fault Coverage, also known as Personal Injury Protection (PIP), of $10,000 per person.
Passengers injured in car crashes can be compensated for damages by the driver’s PIP coverage, the at-fault driver’s liability coverage, or by uninsured or underinsured motorist coverage on their own automobile insurance policies.