Frequently asked questions about motor vehicle accidents,
Insurance DO's and DON'Ts, and information about Kentucky's No-Fault Insurance.

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Kentucky "No-Fault" Insurance:

Kentucky No-Fault insurance law has nothing to do with fault. A person involved in an auto wreck must use the insurance policy on the vehicle they were occupying at the time of the wreck to collect the first $10,000 on out-of-pocket losses. Some policies have added benefits beyond the first $10,000. Out-of-pocket losses include medical bills, prescription costs, some lost wages, funeral bills up to $1,000 and loss of services. Wages are capped at $200 per week.

The responsible insurance company will require a completed application for benefits and a medical authorization before providing benefits. If there is no insurance on the vehicle, you may be eligible for an assigned company through Kentucky Assigned Claims Bureau (KACB).

John Kmetz
Contact a Personal Injury Attorney

Contact John R. Kmetz and Associates in Louisville, Ky., to schedule a consultation with a personal injury attorney to discuss your situation. You can also use the contact form to the right and we will get in touch with you as soon as possible. Please also include appropriate times to contact you.