In Kentucky, a no-fault insurance coverage state, every driver’s personal insurance coverage firm usually covers their medical bills and misplaced wages after a automobile accident, no matter who triggered the collision. This technique additionally applies to automobile repairs. A driver will usually file a declare with their very own insurance coverage supplier for the injury to their automobile. There are exceptions, corresponding to if the at-fault driver was uninsured or if the damages exceed a sure threshold. In these conditions, pursuing compensation from the at-fault driver’s insurance coverage could also be needed.
Kentucky’s no-fault system is designed to expedite the claims course of and guarantee immediate fee of medical payments and misplaced wages. By streamlining compensation for preliminary bills, it goals to cut back litigation and court docket prices related to minor accidents. Traditionally, no-fault techniques had been launched partially to handle the perceived inefficiencies and delays of conventional fault-based insurance coverage techniques the place figuring out legal responsibility may very well be a prolonged course of.