In the 1970s, the Kentucky legislature enacted a law meant to ensure that everyone who is injured in an automobile accident could get immediate medical treatment, regardless of who caused the accident. This is commonly known as the “no-fault” law. By law, if you have a Kentucky automobile insurance policy, your own policy is required to pay the first $10,000.00 of your medical bills. This is the case even if you have health insurance. Your policy will also cover a limited amount of lost wages, and funeral costs (if applicable). Whether you were at fault in the accident or not is irrelevant. If you were not at fault, your automobile insurance company will eventually seek reimbursement of what it paid from the insurance company of the at-fault driver.
Assuming you were not at fault in the accident that caused your injuries, you can seek compensation from the insurance company of the at-fault driver for your medical bills, lost wages and funeral expenses that exceed $10,000.00. You can also seek compensation for your pain and suffering and permanent bodily impairment (if applicable). In some cases, the spouse of an injured party can also seek compensation for what is known as “loss of consortium”.
I hope this was helpful in answering some common questions on this issue.