Kentucky Car Accident Law: What You Should Know

November 18, 2022

Kentucky car accident law requires all drivers to have insurance.

All drivers in Kentucky are required by Kentucky car accident law to have liability coverage. This coverage protects you financially if you are involved in an accident, and it is determined that you are at fault. If you cause an accident that results in property damage, bodily injury, or death, your liability coverage will pay for the repair or replacement of the damaged property, medical expenses, and funeral costs up to the limit of your policy. If the costs exceed your policy limit, you will be responsible for paying the difference. In addition to liability coverage, you may also choose to purchase optional coverages such as collision and comprehensive coverage, which will help to cover the cost of repairs to your own vehicle if it is damaged in an accident. Drivers who do not have insurance may be subject to fines and other penalties.

You must stop and exchange information if you’re involved in an accident.

If you are involved in a car accident, it is important to stop and exchange information with the other driver. If there is property damage or personal injury, you should also contact the police. Once the police arrive, they will file a report detailing the accident. This report can be useful when filing an insurance claim. In addition, be sure to get the other driver’s name, address, phone number, and insurance information. If necessary, this will allow you to file a claim with their insurance company. By taking these steps, you can help ensure that everyone involved in the accident is protected.

You can be sued for damages if you’re found at fault for an accident.

When it comes to personal injury law, being at fault for an accident can have serious consequences. If you’re found to be even partially at fault for an accident, you could be sued for damages by the other party. This can include medical expenses, lost wages, and pain and suffering. In some cases, you may also be liable for property damage. If you’re facing a personal injury lawsuit, it’s important to speak to an attorney as soon as possible. An experienced attorney can help you understand your rights and options and will fight to get you the best possible outcome.

Kentucky has a “no-fault” system when it comes to car accidents.

In a “no-fault” state like Kentucky, your insurance company will pay for some of your damages, regardless of who is at fault for the accident. This is because each driver’s insurance policy covers them for their own medical bills or wage loss, up to a certain limit. This system is designed to simplify the claims process and make it easier for accident victims to get the compensation they need. However, it also means that drivers in Kentucky must be extra careful to choose an insurance policy with adequate coverage. Otherwise, they could be on the hook for expensive repairs in the event of an accident.

There are certain circumstances where you can sue despite the no-fault system.

Although there are currently twelve states that have adopted a no-fault system for car accidents, there are still many circumstances where you can sue the other driver. For example, if you suffer a personal injury as a result of the accident, you may be able to file a personal injury claim. If you choose to sue for your car accident injuries, it is important to consult with an experienced personal injury attorney who can help you navigate the legal process.

If you have been injured in an accident in Kentucky, it is important to contact a personal injury attorney as soon as possible. The attorneys at Saladino & Schaaf are experienced in handling car accident cases and will fight to get you the best possible outcome. We understand that this time can be difficult, and we are here to help you navigate the legal process. Call us today at 270-444-0406 (Paducah, Kentucky) or 270-753-1529 (Murray, Kentucky) or schedule a free consultation.




To reach a trusted member of our team, contact us by calling:


Kentucky Car Accident - The Kentucky Law - Liability Insurance Requirements




To reach a trusted member of our team, contact us by calling:


Meet Our Team

Saladino & Schaaf, PLLC is dedicated to providing high quality, aggressive legal representation to victims of personal injury and wrongful death. Since 1984, this firm and its predecessors have had one goal in mind – to help the victims of personal injury put the pieces of their lives back together.

Areas of Practice

Car Accidents learn more
Semi-Truck Wrecks learn more
Motorcycle Wrecks learn more
Workplace Injuries learn more
Hospital Negligence learn more
Nursing Home Neglect learn more
Premises Liability learn more
River Injuries / Jones Act learn more
Defective Products learn more
Prescription Drugs learn more

Request Your Free Consultation

  • This field is for validation purposes and should be left unchanged.

Latest Firm News

Call Today For
Free Consultation:
(270) 444-0406