Keep in mind that the comparative negligence rule does not apply to negotiations with the other driver’s insurance company. The claims adjuster will take it into account when evaluating your claim. They will likely base any settlement offer on your level of fault for the car accident.
Car Insurance Requirements in Kentucky
Kentucky laws require that vehicle owners maintain liability insurance. This is in addition to PIP coverage rules. Liability insurance covers injuries and damage when you are at-fault for an accident. The minimum coverage limits are:
- $10,000 for property damage resulting from a car accident
- $25,000 for injuries per person resulting from a car accident
- $50,000 for all injuries resulting from a car accident
Some drivers opt to buy higher liability coverage limits to protect themselves. This is important in case the injured party’s damages exceed the coverage limits.
Driving Without Car Insurance in Kentucky
The penalties for driving without car insurance in Kentucky can be severe. Not to mention that if you are in a car accident and found to be at-fault, you can be on the hook for significant damages
For a first-time offense, your registration will end up suspended for one year. The only way to avoid this is if you are able to provide proof of insurance to the Court. Without providing proof, you could face a fine of $500 to $1,000 and up to 90 days in jail.
If you drive without insurance within 5 years from the date of your last conviction you can receive even harsher penalties. Failure to show the Court proof of insurance, you could face a fine between $1,000 and $2,000. You may also face a sentence to up to 6 months in jail. It is also possible to have your registration suspended for a year, or have your driver’s license revoked.
Kentucky Auto Accident Laws for Accidents Involving Uninsured Drivers
Despite harsh penalties for driving without car insurance, an estimated 13.9% of all drivers in Kentucky do not have coverage. For this reason, some drivers in Kentucky elect to buy extra insurance for themselves. These include uninsured (UM) and underinsured motorist insurance coverage (UIM).
UM coverage comes into play if the other driver is at-fault for the accident and does not have car insurance. If so, the injured party can receive compensation from his or her own insurance company. UIM coverage helps if the at-fault driver has insufficient coverage to cover the accident victim’s damages. The injured party can recover additional compensation from his or her own insurance company.
If you are in a car accident in Kentucky and the other driver is under or uninsured, you have several options.
- Sue the other driver. You can file a lawsuit naming the other driver as the defendant. However, collecting on any judgment may prove difficult if he or she does not have assets.
- Sue a third party. It is possible that a third-party is at-fault for the accident. For example, the other driver may have recently had new brakes installed that failed. This could potentially allow you to sue a third-party.
- File a UM or UIM claim. If you have UM or UIM insurance, you may be able to seek compensation from your insurance company.
Kentucky Auto Accident Resources
Have you been in a car accident in Kentucky? It is understandable if you are going through a high level of stress. Below are some helpful accident resources to review. These should allow you to get things going in the proper direction after the accident.
- To decide if it is worth filing a suit or claim, is important to determine what your case could be worth. Lawsuit Info Center can help.
- To report an accident in Kentucky, you can use this form. You must file an accident report for accidents involving injury or death, or damages above $500.
- After a car accident, you may need to obtain a copy of your collision report. You can get a copy of the report at the Kentucky State Police.
Kentucky Car Accident Settlement Calculator
Have you been in a motor vehicle accident or otherwise injured in Kentucky? Find out how much financial compensation you may be legally entitled to in just minutes with our free online Injury Settlement Calculator.
Get Help with Kentucky Auto Accident Laws
If you need further assistance after a car accident, Lawsuit Info Center can help. Reach out to us today, risk free. We can review your case and help you get in touch with a Kentucky auto accident lawyer. Get the compensation that you deserve!