Kentucky Car Accident Claims Process

If you have been injured in an accident in Kentucky and someone else is at fault, then you have the right to pursue compensation for your property damage, medical expenses, lost pay, and any other damages.

The Kentucky car accident claims process includes submitting a claim to the at-fault party’s insurance company. You must also file a written report to the Kentucky State Police if the accident exceeds $500 in vehicle damages and results in an injury or fatality.

Kentucky is a “No-Fault” Auto Accident State

When it comes to auto accidents, Kentucky is considered a “no-fault” state. This means that you may not sue the at-fault party unless your situation meets any of the following conditions:

  • You incurred over $1,000 in medical expenses.
  • Your injuries include broken bones.
  • Your injuries include permanent disability or disfigurement.
  • The accident resulted in a fatality. 

The “no-fault” system gives you the choice of whether you want to file a lawsuit against the other party. If you decide to take legal action against the other party, you may risk a counter lawsuit being filed against you. For this reason, it’s important for you to consult with an experienced auto accident lawyer in Louisville, Kentucky before you proceed with the lawsuit.

Filing a Settlement Claim with Your Insurance Company

The “no-fault” system typically means that your insurance company will handle your accident claim. Once your attorney submits the claim to the insurer, an insurance adjuster will investigate your claim, calculate the total value of your damages, and issue you a check.

If the insurance company denies the claim or offers a settlement that does not reflect your damages, then you may dispute their decision. A skilled car accident attorney will act on your behalf to negotiate a fair settlement with the insurance company. If the insurer refuses to negotiate or settle, then you may have the option of filing a complaint with the Kentucky Department of Insurance and possibly taking your case to court to pursue the compensation you believe you deserve.

Insurance Coverage Limits for Auto Accidents

The state of Kentucky imposes regulations for minimum auto insurance coverage amounts. As such, coverage minimums must meet the following amounts: 

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $10,000 for property damage

If your damages exceed your coverage limits and the other driver was at fault, you may have the option of filing a claim against the at-fault party’s insurance company to cover the rest of your damages. The process of submitting the claim should be the same as the process with your own insurer.

How Can an Auto Accident Lawyer Help?

An auto accident lawyer in Louisville, Kentucky can help you with your case in the following ways:

Investigate The Accident

An attorney can investigate your accident to obtain evidence of fault and liability. Evidence may include accident reports, medical reports, photos/videos of the scene, eyewitness accounts, expert testimony, or proof of lost wages.

Manage Your Case

A skilled legal team can provide comprehensive legal services such as managing your paperwork, submitting the claim, engaging with all relevant parties, and negotiating a settlement on your behalf. A qualified personal injury attorney can take the stress and burden of filing an injury claim off of your shoulders — allowing you to focus on your recovery.

Engage With The Insurance Company

A lawyer can help you avoid pitfalls that can hurt your case by negotiating a settlement on your behalf. If the insurance company refuses to settle, then your lawyer can represent you in court. A good attorney will provide expertise and resources to help you fight for the best settlement possible depending on the unique circumstances of your situation.

Contact Schuler Law Office in Louisville, Kentucky

At Schuler Law Office, we are dedicated to helping our clients get the best possible compensation for their losses. We provide legal services in the Louisville Metro Area, Clarksville, New Albany, Charleston, Floyd County, Clark County, and Washington County.

Call us today to get a free case assessment with an auto accident attorney in Louisville, Kentucky.


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