Car accidents — from fender benders to full collisions — can be destructive, sometimes leaving victims with mounting medical expenses they can’t afford. While laws in each state give accident victims the right to pursue compensation for these losses, the rules and limitations vary from one jurisdiction to the next. Below are a few things you should know about auto accident laws in Kentucky.

A Quick Guide to Kentucky’s Car Accident Laws

No-Fault Insurance

Unlike many other states, Kentucky has a no-fault insurance system, in which injured drivers and passengers must file a claim against their own policy, regardless of who caused the accident. Every driver in Kentucky is required to carry at least $25,000 in personal injury protection (PIP) per person, with a minimum coverage of $50,000 per accident. Because you don’t have to demonstrate fault for an accident, filing a claim may be more efficient, but it also limits your rights to sue for damages.

When Injured Drivers Can Sue in Kentucky

If the damages you suffered in an accident exceed the limits of your policy, you may be able to file a suit against the responsible party for the remainder of your losses. To mitigate this risk, many Kentucky drivers carry liability coverage in addition to their state-mandated PIP insurance. Otherwise, you may have to take action against the other driver directly.

When to File for Damages

Kentucky law provides a narrow window during which you can take legal action for a car accident. Unlike many other states, you must file your claim within one year of the accident or the date your injuries were discovered. Otherwise, your claim will likely be summarily rejected by the insurance company or dismissed by a judge.

If you’ve been seriously injured in a car accident or your insurer refuses to make a fair settlement offer, The Curt Davis Law Office is ready to fight for your rights and the compensation you deserve. From their offices in Somerset, KY, they’ve represented accident victims throughout Wayne and McCready counties, offering exceptional service informed by decades of experience. Visit their website to see how they can help after a car accident, or call (606) 678-2525 to arrange a free consultation with a skilled attorney.