Determining liability after an accident may not always be cut-and-dried. There are, however, steps you can take that will help to ensure some clarity before accepting a loss - especially when it means that the other driver was liable all along.
Liability in Northern Kentucky
To determining liability in Northern Kentucky can sometimes be difficult. There may be conflicting eye-witness testimony, there may be conflicting motorist reports, or the accident in question may not be so easy to categorize by the attending officer. What makes it more difficult is if there are injuries all vehicles involved. In Northern Kentucky, things get a little trickier due to certain insurance laws.
There are a few things to understand when it comes to Kentucky Law. First, Kentucky is what is known as a "choice no-fault" state. What this means is that after an auto accident, you sometimes have to go to your own auto insurer for coverage. It is only one of a dozen states that maintain this "no-fault" car insurance system.
How it Works: In a "no-fault" state, each driver's auto insurance company will usually pay for the injuries of their own insured motorist, regardless of who was at fault in the accident. There are exceptions to this rule, of course.
Exceptions to the Rule
There are exceptions to the rule, as drivers in Kentucky have the choice whether to "opt-out" of the choice no-fault insurance system. They can instead purchase standard car insurance, also known as tort-based auto insurance coverage.
Ina addition to opting out, Kentucky drivers can still file a personal injury claim in an accident if it meets or exceeds a certain criteria or a "threshold". The seriousness of an accident also plays a large role in the success of a personal injury claim.
Contacting a Lawyer
In any case, if you have been involved in an auto accident involving a car, truck, or motorcycle - contacting a personal injury attorney who is experienced in Kentucky Law is always the best practice. Only they will know the proper action to take, and he or she will advise you accordingly.