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Kentucky Car Accidents

Kentucky Car Accidents – Overview

Most people in Kentucky don’t understand how complicated the state’s automobile insurance requirements are until a serious accident happens. At Merk & Gile, we have a thorough understanding of insurance and car accident issues that are specific to Kentucky.

For a free consultation, contact us in Cincinnati and Northern Kentucky. Both Spencer and Eric represent clients in Kentucky. Call 513-481-5678 today.

Kentucky-specific Car Accident Laws

Kentucky state law requires drivers to have the following types of liability insurance coverage at a minimum:

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

If you were seriously injured in an accident with a driver who has only the minimum auto liability insurance, your costs could quickly exceed the amount to be paid by the other driver’s insurance policy. That is why many people choose to purchase underinsured motorist (UIM) coverage, which kicks in to provide additional compensation if the other driver’s insurance isn’t sufficient to cover your costs.

Find more information about UIM insurance here.

No-Fault Insurance in Kentucky

An additional type of coverage is no-fault insurance, which is also called Personal Injury Protection (PIP) coverage. In fact, Kentucky requires that vehicle insurance policies have PIP coverage.

Regardless of who was at fault for a crash, PIP coverage pays up to $10,000 in injury-related expenses per person, per accident. With PIP coverage, however, the injured party cannot sue the at-fault party for damages — with some exceptions. The injured party can seek compensation from the at-fault party under these circumstances:

  • Medical costs exceed $1,000
  • Broken bone
  • Permanent injury
  • Permanent disfigurement
  • Death

If you have PIP coverage, you can reject your right-to-sue limitations if you do so with the proper form and submit it to Kentucky’s Department of Insurance. However, if you do that, you also lose your PIP coverage.

Let Us Help.

The details of insurance policies are understandably the last thing you want to be thinking about if you have suffered a serious injury in a car accident. You need to focus on healing. Our team of skilled and dedicated lawyers can explore every available option for maximizing your compensation for medical bills, lost wages and other costs resulting from the crash.

We know insurance companies, and we know how to protect you from their attempts to minimize the severity of claims.

Call Today

Call 513-481-5678 today to schedule a free consultation. We are available 24/7 to answer your questions you may have about Kentucky automobile claims.


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    • Newport Office
      526 York Street
      Newport, Kentucky 41071
      Phone: 513-481-5678
      Fax: 859-261-0392