The moments after a car crash can feel like a blur, but the heavy stress settles on you quickly. You worry about the mounting medical bills and lost wages, wondering how you can cover these expenses.
Fortunately, seeking compensation for your damages is possible through your insurance company. While this can sound helpful, remember that these professionals tend to prioritize their company’s bottom line rather than your family’s future.
Understanding Kentucky’s choice no-fault rules
Kentucky follows the choice no-fault rule. This means you can either accept the standard no-fault system or opt out. Your choice determines your rights to sue the party responsible for your damages.
If you accept the standard, your insurance pays the first $10,000 of medical bills and lost wages. Additionally, you can only sue the at-fault party if your injuries meet certain thresholds.
If you reject the standard, you have the right to sue the at-fault party for any amount. However, you are not eligible for personal injury protection (PIP) benefits from your own insurance.
Outlining the risks of facing adjusters alone
Whether you accept or reject the choice no-fault rule, insurance companies seek to lower your settlement amount to minimize their financial liability.
Talking to your or the at-fault party’s insurance company has risks. After notification, they will call you with questions about the auto accident. While this may seem harmless, they gather evidence against you. With Kentucky’s pure comparative negligence rule, any small admission of fault can become proof to slice a percentage off of your total compensation.
Handling insurance matters with the right help
Talking to insurance companies by yourself can be overwhelming and risky. While your account of the accident is genuine, adjusters can twist the narrative and pressure you into accepting a lowball offer.
Instead, seeking legal counsel can help you focus on your recovery and peace of mind. An experienced attorney can offer guidance on this complex process.