Laws Affecting Your Automobile Accident in Louisville
Car accidents in Louisville—who is at fault?
To reduce the time-draining, costly court battles that take place in determining who is at fault in an auto accident, and to what degree, many states changed their laws to a no-fault system. Kentucky is one of these "no fault" states.
What is a no-fault state?
In a no-fault state, the driver's auto insurance covers the driver's medical bills, rehabilitation costs, and lost wages, according to the terms of the insurance policy the driver purchased. The driver need not first prove that the crash was caused by a different driver before the insurance company will release monies and other insurance benefits.
Many Kentucky citizens feel that this is a good thing, but not all agree. Why? When you have no-fault insurance, it means that, even you have injuries as a result of a Louisville car crash accident, or elsewhere in Kentucky, you cannot sue the other driver for pain and suffering, emotional distress, or inconvenience. You can still sue for medical expenses, but the expense must exceed a dollar threshold.
Kentucky offers an option
If the no-fault process is not your preferred type of insurance, you may be happy to know that Kentucky is one of just three "choice states," allowing you to choose between an insurance policy based on no-fault law or on the tort-based system. If you choose the tort-based type of auto insurance policy, it means that you retain your right to litigate (file a suit in court) for accident compensation in the event of an automobile accident injury in Louisville in which you are injured by the negligence of another driver.
Get legal advice on car accidents in Louisville and choosing among insurance options
For citizens who need legal advice on choosing insurance in a choice state like Kentucky, or for legal representation for auto accidents, contact the Louisville auto accident attorney, Ewing, McMillin & Willis.
