Meinhart, Smith & Manning, PLLC has handled numerous car accident claims and are familiar with the tactics of insurance companies as well as the laws surrounding accidents in Kentucky. The most important law surrounding car accident claims and lawsuits in Kentucky is our No-Fault Statute.
Kentucky is a no-fault auto accident state. This does not mean that no one bears responsibility for an accident. For accident victims, it means the following:
The first $10,000 in medical expenses, lost wages or other reimbursable expenses is to be paid by your insurance company and not by the insurance company of the at fault party.
The second purpose of Kentucky no-fault is to restrict who can make a claim for personal injuries. It establishes “THRESHOLD” requirements before you can sue an at-fault party. The Kentucky “THRESHOLD” requirements are as follows:
Loss of body member
Permanent loss of bodily function
$1,000 in medicals.
Kentucky no-fault pays for the following:
Lost wages ($200/week unless you purchased more than $10,000 in no-fault)