What You Should Know About Kentucky Auto Insurance Requirements (Part B)

Kentucky Auto Insurance Requirements: Bodily Injury Liability

Bodily injury liability covers damages related to physical and psychological injuries sustained after an accident in Louisville. Some of the types of damages that may be covered include lost wages, medical bills, and pain and suffering.

The minimum amount of bodily injury liability that Kentucky residents must carry is $25,000/50,000. These duo amounts are the maximum amounts to be paid per individual, per accident. On average however, most individuals carry at least $100,000/300,000 in bodily injury coverage.

Kentucky Auto Insurance Requirements: Personal Injury Protection (PIP)

PIP covers a variety of damages related to your accident in Louisville. Some of the damages that could be covered include medical expenses (such as emergency services, doctor visits, hospitalization, medication), lost wages, substitute services if your injuries prevent you from carrying out certain tasks (such as childcare or household cleaning), and burial/funeral expenses if the accident is fatal.

The minimum amount of PIP that Kentucky residents must carry is $10,000. This is also the average amount that most individuals carry.

Seeking Help from a Louisville Accident Attorney

You may wonder when it would be necessary to seek legal counsel after an accident. Despite meeting Kentucky auto insurance requirements, you should seek help from a Louisville accident attorney if you or a loved one suffered serious injuries in an accident.

When someone else’s negligence is the cause of your accident and you face significant medical expenses and an inability to work, you may have the right to be compensated. Consulting with an accident attorney is the best way to learn what options may be available.

Whether your accident in Louisville occurred on Interstate 65 or at a busy intersection, you may be facing financial, physical and emotional losses. These may be addressed through a claim. Consulting with an attorney is the only way to learn if you have a legitimate case worth pursuing.

Contacting a Louisville Accident Attorney

A Louisville accident attorney at Gray and White can help you handle every aspect of your auto accident claim. 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.

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