No Fault Auto Insurance Kentucky KY

Reader’s Question:

I heard that Kentucky is a no fault state. What does no fault really mean? Does this mean that when I get involved in an accident no one is going to be determined as the at fault party? Both parties are considered innocent? I’m just confused right now and I hope that someone can help me with my confusion.

Gerry

Lexington-Fayette, KY

Surely Gerry I’d be more than happy to enlighten you. You are correct in some way. But let me just give you a clearer explanation about your question.

The state of Kentucky is a choice no fault. This means that you as a driver have the option to choose whether you’ll go for tort liability or the no fault car insurance method.

Let me define first what the tort liability is. Under this system, restrictions regarding lawsuits are not applicable. Hence, if you get involved in an accident and you are the at fault party then you can be sued by the other party for the pain they incurred from the said accident.

Meanwhile, if you choose the no fault auto insurance, then you must buy personal injury protection. This will provide coverage for the expenses related to injuries and other cost incurred from the accident. Let me emphasize that this coverage would provide support no matter who the at fault party is. Thus, your auto insurance company will automatically provide coverage and pays for you .In exchange for this set up, you are required to give up some of your rights to sue the other party. This works for you too. You may not be sued by the other party also. However, this still depends on the gravity of the accident and the financial matters involved.

If you have additional questions about no fault auto insurance in Kentucky, do not forget to ask your car insurance agent.

Tags: auto insurance, auto insurance coverage, car insurance law, car insurance tips