What Should You Do If You’re in an Accident While Visiting Kentucky?

If you are in a car accident while visiting Kentucky, take steps to protect your health and well-being first, help others next, and then seek to document what happened. Victims of accidents in Kentucky have the right to pursue compensation for their losses, depending on who is at fault and the type of insurance available.

Out-of-town victims must abide by the state’s laws and have equal rights to recover damages when an accident occurs. Speak with a reputable Lexington car accident attorney about your case today in a free consultations.

Your Insurance Typically Follows You

If you cause an accident in Kentucky, your liability insurance is still applicable. That means you have the same protections as you would at home. But there are a few complications to this process if someone else causes your accident.

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How Kentucky’s No-Fault Laws Impact Your Case

Kentucky is a no-fault state, which means that unless they choose to opt out, drivers file a claim with their personal injury protection (PIP) first. In the event your damages are significant, you may still have the right to pursue a claim against the at-fault party. This can become complex. That is why it is worth speaking to a personal injury lawyer in Lexington first.

If you are hit by a driver in Kentucky, your insurance company adapts to the state’s laws and covers your injury and property damage expenses up to the required amount. The other driver’s insurance would be responsible for the damages to their vehicle.

However, if your losses are significant, you can file a claim for losses against the at-fault driver. In a no-fault state like this, a serious accident means you can sue the driver’s auto insurance for the losses you have. However, this only applies if you meet specific thresholds:

• Your medical costs are $1,000 or more.
• You suffer a broken bone.
• You suffer a permanent injury or disfigurement from the accident.
• The accident resulted in the death of your family member.

IF any one of these applies to your situation, it is typically in your best interest to hire an attorney to represent you. Your wrongful death attorney in Lexington will document your losses and seek compensation that aligns with your specific rights. Do not simply accept a denial of coverage from the other driver.

Insurance Companies May Try to Limit Your Recovery

Insurance companies cannot outright lie to you about coverage. However, if you do not know your rights, they do not have to explain them to you. That means they will take steps to minimize the compensation paid if they can.

For example, the insurance company may refute claims of losses over $1,000. They may tell you to speak to your own insurance company instead. Before you agree to any terms, speak to a Lexington car crash attorney.

You Must Act Within the Statute of Limitations

The Kentucky statute of limitations for taking action against the at-fault party is two years from the date of the accident. Do not wait that long to take action, as it may be too late. Instead, speak to a car accident lawyer as soon as possible. Your lawyer works to preserve evidence and seek fair compensation in your case.

Your Kentucky car accident lawyer becomes your advocate. Their goal is to exhaust all possible avenues for recovering the damages you have incurred so you can rebuild your life.