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How does Kentucky's no-fault system work?

When you get into a crash in Kentucky, there is a timeline that you should follow for a settlement. You'll need to apply for compensation early, because lawsuits are limited after a certain point.

You'll have to report the accident if the damage to your vehicle exceeds $500. You should also report it if it resulted in the death of a person in the crash or caused injuries.

Kentucky has a "no-fault" system, which means that your insurance agency will cover your injuries up to a limited point. Everyone in Kentucky has to carry personal injury protection, also known as PIP. The only people who don't have to carry this are motorcyclists.

All PIP coverage needs to meet minimum requirements, including $25,000 for bodily injuries per person, $50,000 for total bodily injury and $10,000 for property damage.

Within this system, you do not have a right to sue the other driver unless there are $1,000 in medical expenses or more, a permanent injury, a death, a broken bone or permanent disfigurement. For example, if you get into a fender bender with less than $1,000 worth of damage and no injuries, you won't be able to sue. However, if you're in a serious collision in which a loved one is killed, your vehicle is totaled and your arm is broken, you'll be able to file a lawsuit against the driver of the other vehicle for his or her negligence in causing the collision. This is an exception that your attorney can help you with if you decide to pursue a claim.

Source: FindLaw, "Kentucky Car Accident Settlement Process and Timeline," accessed May 24, 2018

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