Who pays for car damage in a no-fault state Kentucky?
Asked by: Loren Balistreri Jr. | Last update: December 11, 2025Score: 4.2/5 (36 votes)
Who pays for car damage in Kentucky?
If another driver is responsible for causing a car accident and the subsequent damage that occurs to your vehicle, then the at-fault driver's insurance is the primary source of compensation recovery. Every driver in Kentucky is required by law to carry $10,000 worth of property damage liability insurance.
Who pays for car damage in no-fault state?
In no-fault states, each party carries insurance that pays for their own injuries, while the at-fault party typically pays for everyone's property damage.
What does a no-fault state mean in Kentucky?
In a no-fault state, drivers are required to carry no-fault insurance, otherwise known as “personal injury protection” or “PIP” coverage. This coverage will pay out if a person is injured in a car accident regardless of who was at fault.
Who pays deductible in no-fault accident?
Policyholders will generally pay the deductible before comprehensive coverage kicks in. Liability insurance. Liability coverage, which is required in California, doesn't involve deductibles but covers damages the policyholder causes to other vehicles, drivers, or property. Uninsured motorist coverage.
Who Pays For Car Damage In A No Fault State?
Do I have to pay my deductible even if it's not my fault?
It depends on your insurance policy. Some insurance policies require you to pay your deductible even if you are not at fault, while others do not.
Does your insurance pay if you are not at fault?
Who pays in a no-fault accident? If there's an accident between two drivers, each party's PIP coverage typically pays for their respective medical bills and/or wage loss up to their policies' limits, no matter who caused the accident.
What happens if the person at fault in an accident has no insurance in Kentucky?
If you don't have insurance, you're on the hook for covering all of your vehicle damage and any medical bills. Additionally, if you are later found to be primarily at fault, and have no insurance, you may be responsible for paying for the other party's damage out of pocket as well.
Can you sue someone in a no-fault state?
Threshold for Lawsuits: In some no-fault states, a threshold must be met before you can sue for damages beyond what PIP covers. This threshold often involves meeting certain criteria related to the severity of injuries, medical expenses incurred, or permanent disability or disfigurement.
What does "no-fault" cover?
So let's start with a basic definition: no-fault insurance, sometimes referred to as personal injury protection insurance (PIP), can help cover you and your passengers' medical expenses and loss of income in the event of a covered accident, regardless of who is found at fault.
Is insurance more expensive in no-fault states?
According to the analysis of premium data as reported by insurance companies to the National Association of Insurance Commissioners: Premiums are 19% higher in no-fault states than in personal responsibility states.
Should I file an insurance claim if I am at fault?
If you damage someone else's vehicle during a significant collision, and you're at fault, you should always file a claim.
What happens after a car accident in Kentucky?
Contact the Police
If a motor vehicle collision in Kentucky results in bodily harm or death or renders your vehicle inoperable, you must report the incident to the authorities. You are required to contact the Kentucky State Police if there is damage to vehicles or property that totals more than $500.
How much will the insurance company pay for the damage to the car?
A typical insurance payout for a totaled car will be for its actual cash value. It's generally determined by factors such as year, make, model and mileage. Simply put, it's what your car could have been reasonably sold for before the damages.
What does the Kentucky no-fault rejection form mean?
No-Fault Rejection Form. Acceptance of No-Fault Insurance denies each individual the right to sue a negligent motorist unless certain requirements are met. You and any member of your household can retain the right to sue by completing this form and mailing it to the Kentucky Department of Insurance.
What does it mean when Kentucky is a no-fault state?
The state of Kentucky is called a no-fault state because of a law stating that each driver in the state of Kentucky has to file a claim with their insurance company first to get compensation for medical bills and other financial losses caused by the accident according to their own insurance policy.
What happens if insurance cannot determine fault?
50/50 fault: If it's too difficult to determine fault, particularly if no witnesses saw the accident take place, some insurance companies will decide to split the costs equally between the two drivers.
Are no-fault states bad?
Higher Premiums
Auto insurance premiums in no-fault states tend to be considerably higher than in fault states. If you get injured in a car accident and file a claim, your premiums might increase even more, even though you are the victim, not the at-fault party.
What happens when someone not on your insurance gets in an accident?
Insurance follows the vehicle, so if someone else drives your car and gets into an accident, your insurance will handle the claim. This is known as permissive use — your policy covers the damage, not theirs.
What happens when you go to court for no insurance in Kentucky?
According to the statute, an owner who fails to maintain insurance on his vehicle shall have his vehicle registration revoked. In addition, the vehicle owner and driver are subject to a fine of $500.00 to $1,000.00, up to 90 days in jail, or both.
What is the bodily injury threshold in Kentucky?
The law mandates that your policy meets the following minimums: $25,000 for bodily injury, per person. $50,000 for total bodily injury, per accident.
Is it better to use your insurance or theirs?
After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver's insurance company represents them.
Do you get money from no-fault insurance?
In no-fault states, the driver's personal injury protection (PIP) coverage pays out after a car accident for lost wages and medical expenses, regardless of fault. However, despite what many believe in, a no-fault state doesn't mean that no one is liable for the accident.
Should I call my insurance if it wasn't my fault progressive?
Start the claims process
Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.