In order to drive a car on the public roads of Kentucky, a driver needs insurance. He or she also needs to find out information about the state’s no-fault insurance. A no-fault state is one in which auto insurance takes care of expenses that are the result of an accident, such as medical bills, lost wages, etc., regardless of who caused the accident.
Kentucky no-fault insurance coverage is required to be part of every driver’s insurance, whether a person selects to have full coverage or just buys the minimum amount of insurance that is required by the state.
Since July 1, 1975, Kentucky drivers have been required to have no-fault insurance as prescribed by law. This law is designed to make sure that anyone who is in an auto accident receives insurance benefits as soon as possible. Any Individual in an auto accident is eligible to receive payments for medical care for injuries and rehabilitation. The person is also eligible to lost wages if he or she is unable to work due to those injuries up to a specific period of time spelled out in the policy.
Also known as a PIP or personal injury protection insurance, no-fault insurance pays for any medical treatment and some lost wages. Medical expenses can cover a broad spectrum of treatment. If someone is involved in an automobile accident and he or she requires hospitalization, the cost will be paid for by his or her no-fault insurance. Any necessary prescription medication costs are normally covered also, as well as expenses for physical therapy or medical equipment. The injured individual may need follow-up medical appointments or visits to a physical therapy clinic, and travel mileage to and from these appointments will be paid. It may be necessary for some of these costs to be paid up front and then let the insurance company reimburse the individual.
Any damages sustained by the person’s vehicle in an accident are not covered under Kentucky’s no-fault insurance. Comprehensive, collision, and property damage insurance is needed if the vehicle owner wants these costs covered. A person will need to select a full coverage insurance policy that includes no-fault insurance if he or she decides this type of coverage is needed.
Kentucky requires all drivers to have a certain amount of no-fault insurance. According to state law, the lowest amount of liability insurance each driver is required to have is $25,000/$50,000, which pays for injuries from an accident. Drivers are also required to have $10,000 in property damage insurance. A single limit policy is acceptable as long as the driver has a minimum of $60,000 in coverage. All drivers must have at least $10,000 in no-fault personal injury insurance coverage, according to the Kentucky Driver’s Manual.
If you or a loved one has been injured from a car accident due to negligence, you will need to consult with a personal injury attorney that will be able to help you. For a free consultation, call Gladstein Law Firm. We will help you fight for compensation for your injuries and provide support to you with the help of our team of knowledgeable, experienced team. Call us today at 502-791-9000.