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No-Fault Car Insurance

No-Fault Car Insurance Laws in Kentucky

Under Kentucky's no-fault car insurance laws, drivers must carry at least $10,000 in personal injury protection (PIP) benefits. After a car accident, you will be reimbursed up to that amount for medical bills, lost wages due to time off work and other losses. Compensation will come from your own insurance company, regardless of who was at fault for the accident.

When we accept a new client who has been injured in a car accident, we do not charge a fee for helping the client receive the compensation he or she is entitled to for personal injury protection (PIP) benefits under Kentucky's no-fault car insurance laws. Our law firm handles all car accident cases on a contingency fee basis: we accept a percentage of the eventual settlement as our fee. Unlike some other personal injury lawyers, we never take a percentage of the PIP benefits as part of our fee. To schedule a free case evaluation, call us at 502-657-7137.

It's important to be accurate when filling out the PIP benefits application

When we represent car accident victims, we help our clients fill out the application for PIP benefits that is required under Kentucky's no-fault car insurance laws. Careful attention to this application is critically important — it should be complete and accurate. The application should thoroughly describe the accident and should list all injuries — even injuries that may seem minor at the time. If you later develop complications from an injury that is not listed on the PIP application, the insurance company may refuse to compensate you because you did not originally report the injury.

We coordinate payment of your medical bills

One of the most frustrating and confusing tasks of a car accident victim is organizing and coordinating payment of your medical bills with your various insurance carriers. As part of the services we provide to our clients, we coordinate payment of all medical bills. This takes a major worry away from our clients, and gives them the freedom to concentrate on physical recovery. We collect all medical bills in our office and send them for payment from your PIP benefits.

Once your PIP benefits are exhausted, your medical insurance will kick in. If you are uninsured or underinsured with regard to health insurance, then we negotiate with your health care providers in an attempt to keep unpaid medical from going to collections while we file a claim against the at-fault driver.

You can buy additional PIP benefits under Kentucky's no-fault car insurance laws. For reasons relating to profit, many car insurance companies do not regularly offer additional PIP benefits to their policyholders. However, these benefits are available. Ask your insurance agent about purchasing additional PIP benefits (called Added Reparations Benefits).

Schedule a complimentary case evaluation with attorney Bixler W. Howland, a local personal injury trial lawyer with more than three decades' experience. Call us at 502-657-7137.