Kentucky is known as a no-fault state. This does not mean that fault is not an important factor in your accident case. It simply means that your injuries must reach a certain threshold before you have the right to sue the at-fault driver and his or her insurance company. If your injuries do not reach this threshold, you will recover compensation from your personal injury protection (PIP) coverage.
The law firm of Gregory S. Young Co., LPA, offers a free initial consultation to explain how Kentucky no-fault insurance works. We offer this consultation with no obligation to hire us. Please call 859-547-3334 to talk to a lawyer at our office in Florence, Kentucky.
We represent car accident victims in Covington, Newport, Florence, Fort Wright, Alexandria and throughout Northern Kentucky. We handle accidents on all roads and highways, including interstates I-75, 1-71 and 1-275.
Understanding Your Personal Injury Protection (PIP) Coverage
Kentucky requires all drivers of all motor vehicles, except for motorcycles, to purchase basic PIP coverage. PIP covers you and all people who were riding with you at the time of the accident, regardless of who was at fault. PIP also covers pedestrians and bicyclists who are struck by a car.
Basic PIP coverage provides up to $10,000 per person per accident for medical expenses, lost wages and similar out-of-pocket costs due to an injury. You can purchase a PIP plan that offers higher coverage. PIP does not cover noneconomic damages, such as pain and suffering.
If you have suffered a serious injury, PIP will not go far in paying for your losses. For this reason, it is important to seek a lawyer's advice to determine if you have the right to sue the other driver and his or her insurance company.
PIP insurance is very helpful for covering emergency medical bills and more. Our lawyers know how PIP works and we can help you with it.
Can I Sue The Other Driver?
If you were injured due to the negligence of another driver, and your injury reaches a certain threshold, you would have the right to sue the at-fault driver and his or her insurance company. The threshold is as follows:
- $1,000 in medical expenses
- A broken bone
- Permanent disfigurement
- Permanent injury
If you meet the threshold, you can recover compensation for all of the damages that you suffered, including medical expenses, lost wages, and pain and suffering.
Our Northern Kentucky car accident lawyers have the experience to prove liability and help you recover the maximum compensation for your losses. One service that sets us apart is our willingness to handle your property damage claims at no additional cost.
Resources For Car Accident Victims In Kentucky
- St. Elizabeth Healthcare
- St. Luke Hospital West
- Kentucky Courts Website
- Kentucky Transportation Cabinet
- When Should I Hire A Car Accident Attorney?
Free Consultation With A Northern Kentucky Auto Crash Attorney
If you or a member of your family was involved in a car accident and you would like a free evaluation of your claim, we invite you to call our Florence, Kentucky, office at 859-547-3334 or email our law firm. Our address is listed below:
Gregory S. Young Co., LPA
71 Cavalier Boulevard
Florence, KY 41042
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