You may have heard that Kentucky is a "no-fault" state, but there is often confusion regarding what the term actually means. Kentucky is one of 12 states that has passed legislation regarding no-fault and personal injury protection insurance coverage. Understanding no-fault and personal injury protection (PIP) is necessary when filing an accident claim.

At Herren & Adams LLP, our attorneys can clear up the gray areas surrounding the insurance coverage and what it means for your case.

What To Know About No-Fault Insurance Laws

No-fault compensation is obtained through a claim with the insurer of the vehicle you are occupying rather than the other driver's insurance company. Typically, this is your own car insurance company. After a crash, you can receive various types of compensation from your insurer.

Types of compensation you may be entitled to receive include:

  • Wage loss
  • Medical expenses
  • Mileage reimbursement
  • Pain and suffering
  • Replacement services loss services

Do I Need An Attorney To File A No-Fault Claim?

At Law Offices of Herren & Adams LLP, we have been helping our clients with car accident and no-fault claims for over 35 years.

While there is no requirement that you hire a lawyer to obtain PIP benefits, it can be a good idea for a variety of reasons to protect your rights. We have even had a couple of cases where the no-fault carrier wrongfully refused to pay no-fault benefits or clients were offered less-than-fair settlements. Without an attorney, you may be forced to fight this battle alone to get what you are entitled to receive.

We can assist with your no-fault claim from day one to ensure you receive compensation in a timely manner. Discuss your PIP claim at a free consultation by calling 859-254-0024 or sending us an email.