What are the "no-fault" auto insurance coverage options in Kentucky?

A: In Kentucky, no-fault insurance does not necessarily pertain to the "responsibility" of an accident. Kentucky auto insurance requirements mandate that each driver have coverage of $25,000 per person, $50,000 for bodily injury of every accident, $10,000 in property damage and $10,000 in personal injury protection. If you are confused about your policy and what coverage applies to your most recent accident, speak with a Louisville personal injury attorney who can help explain your rights.

In Kentucky, personal injury protection (PIP) is also considered "no-fault insurance." PIP coverage means that your insurance company pays for damages you incurred whether the accident was your fault or not.

The basic benefits included in the state of Kentucky auto insurance requirements for PIP are $10,000 for medical expenses and up to $200 per week for lost wages. PIP also includes survivor benefits and replacement services.

In exchange for PIP coverage, however, you accept certain parameters about the nature of claims that you can bring. If you have PIP coverage, you may not bring - or have brought against you - a claim or lawsuit unless it included a broken bone, permanent injury, death or medical expenses involved were greater than $1,000.

You have the right to reject PIP coverage, but it must be done in writing, and when you reject the coverage you also reject those limitations. If you do reject PIP coverage, your liability coverage may be increased as a result.

If you have been injured in an accident, speak with your attorney about how Kentucky no-fault insurance impacts you and your injury case.

Contacting a Louisville Personal Injury Attorney

An attorney at Gray and White Law can help you handle every aspect of your injury lawsuit. If you've been injured in Kentucky, contact us today for a free evaluation of your case - 1-800-634-8767 or 1-502-210- 8942.