The law is dry and complicated and incredibly different to understand for the average person, and this extends to the laws that apply to day-to-day life, too, including accident laws. These laws are not enforced on a federal level, and instead, it’s left up to states like Kentucky to create laws, fines, and punishments for people caught up in accidents. If you’re a resident of this beautiful state, you should keep reading to find out the most important legalities concerning accidents.
1- Insurance system
One of the most important things to know about being in an accident in the state of Kentucky is that the entire insurance system follows a “no-fault” policy, which means that, regardless of fault, everyone who was involved in the accident can expect to have their claim processed and get some kind of compensation as a result. This means that it’s in your best interest to document the incident properly and go through the official channels as soon as possible to get your claim processed because, even without complete information, you may be able to get enough money to pay off the repair for your car.
2- How to decide who’s at fault
While the insurance companies often operate on a no-fault basis, that may not always be the case, and even if you’re entitled to some compensation, a portion may be cut in the end depending on how much you’ve contributed to the accident. Companies and officials determine fault through means such as the Kentucky accident report associated with your case, any security cameras, and especially any other documentation you can provide, like pictures, video, and dashcam footage. If it’s decided that you’re not at fault, you’ll be able to get all of your money, while if it’s determined that you contributed 20% to the crash, you’ll get that fraction of your sum cut, and so on depending on how big of a role you played in everything happening.
3- Statute of limitations
When it comes to filing lawsuits or following laws in traffic injuries and accidents, it’s important to know the statute of limitations, which is the time limit within which you can file a lawsuit and expect your case to be heard, something which differs both from state to state and depending on what the particular case is categorized as. Personal injury lawsuits that arise due to car accidents need to be generated within a year of the accident if you’re in Kentucky. If you’re not able to do that, you won’t be able to claim your money or fight for more compensation to help with things like medical bills.
4- Reporting requirements
There are many reporting requirements associated with car accidents in the state, and that’s a large reason for why it’s always recommended to call the police even if the injury is minor. If you’re involved in an accident that has caused an injury or damage that amounts to over 500 dollars, you’ll have to call the police and have them create a report for you. This report is the main document that insurance companies and lawsuits use to determine the details of your case and how much you’re owed. Since it’s not always clear what constitutes 500 dollars in damage or an injury, you should cover your bases and call the police.
5- Minimum insurance required
The state of Kentucky is one of many throughout the United States that requires all of the cars on the road to be properly insured if they want to be driven on the road, and, as a result, every car will need to be insured to a minimum amount which usually includes 25 grand for bodily injury per person, 50 grand for injury per accident, and 25 grand for property damage per accident, and, while this amount is something you’ll see as part of most insurance coverages, if you fail to provide this for your car, you may open yourself up to criminal proceedings.
Car accidents are, unfortunately, very common, and you may find yourself involved in one through no fault of your own, even if you’re driving perfectly every day. However, it’s always a good idea to have general knowledge about what you might need to do and that the laws concerning car accidents are different in Kentucky as compared to the rest of the country. Luckily, using the information in this article, you’ll be able to understand exactly what to do if you’re ever caught up in an accident and move forward in the perfect way.