In Kentucky, a no-fault insurance coverage state, every driver’s personal insurance coverage firm usually covers their medical bills and misplaced wages after a automotive accident, no matter who brought about the collision. This method additionally applies to automobile repairs. A driver will typically file a declare with their very own insurance coverage supplier for the injury to their automobile. There are exceptions, reminiscent of if the at-fault driver was uninsured or if the damages exceed a sure threshold. In these conditions, pursuing compensation from the at-fault driver’s insurance coverage could also be essential.
Kentucky’s no-fault system is designed to expedite the claims course of and guarantee immediate cost of medical payments and misplaced wages. By streamlining compensation for preliminary bills, it goals to scale back litigation and court docket prices related to minor accidents. Traditionally, no-fault programs have been launched partially to handle the perceived inefficiencies and delays of conventional fault-based insurance coverage programs the place figuring out legal responsibility might be a prolonged course of.