Whether commuting to work, taking care of errands or just enjoying a scenic tour of the countryside, Kentucky drivers take to the road for all sorts of reasons. Unfortunately, even the most cautious driver may experience a potentially severe accident. According to the state police department, 33,914 individuals experienced injuries, and 724 died in traffic collisions on public roads in the state in 2018 alone. 

Even a relatively minor auto accident may result in a serious injury that could have a devastating financial and emotional impact for years to come. That makes it important that drivers know how state law determines what injured drivers can do to try to recover needed compensation. 

Kentucky insurance requirements 

Except for motorcycles, all motor vehicles in Kentucky must have basic Personal Injury Protection coverage. Basic PIP insurance provides financial compensation for up to $10,000 per individual for medical costs, lost wages and other expenses related to an auto injury, regardless of who may have been at fault. 

Kentucky’s no-fault system 

In 1975, Kentucky enacted the Motor Vehicle Reparations Act, commonly known as the “No-Fault Law.” Under this law, anyone who registers, uses or maintains a vehicle in the state has accepted basic limitations on litigation after an auto accident. Unless a collision results in at least $1,000 in medical expenses, permanent disfigurement or injury, a broken bone or death, the injured party cannot sue to recover damages. 

Compensation for serious auto injuries 

While the $10,000 that PIP insurance coverage offers for injury-related expenses may seem generous, when an accident is severe, medical costs may easily exceed that amount. Additionally, a serious injury may lead to unpaid time away from work or even result in permanent disability. 

Fortunately, there are no caps on car accident damages in Kentucky. When another driver’s negligence is the cause, an injured party may be able to recover both economic and non-economic damages, including lost wages, medical expenses and compensation for pain and suffering.