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In the 21st century, Kentuckians are becoming more and more reliant on their cars, trucks, or motorcycles to get around, so traffic crashes are a sad reality of life. In Kentucky, car accidents were the top five leading causes of accidental death in the state.
Kentucky accident statistics
Below, USAttorneys will share a few relevant accident statistics from the Kentucky Department of Transport:
Total crashes in 2015-694
Injury crashes in 2015- 23,803
Property-damage crashes- 111,841
In some states accident, victims have the choice of filing their claim with their claim with the careless driver’s insurance company or by filing a claim in civil court. Kentucky is different because, in 1975, the state passed KRS 304.39, the Kentucky Motor Vehicle Reparations Act. The law is often referred to as the No-Fault Law and requires car accident victims to file traffic accident claims with their vehicle insurance company unless their claim is exempt from the no-fault system.
An accident claim is exempt from the no-fault system if a driver opts of out the no-fault system by signing a special form which is submitted to Kentucky’s Department of Insurance. If you opt out of the state’s no-fault system, you have the option to sue another driver, but it also means you can be sued
Because motorists are required to file injury claims with their auto insurance company, Kentucky’s no-fault laws require drivers to carry a minimum of $25,000 in personal injury protection to cover costs associated with medical expenses, lost wages and other expenses. Drivers can choose to purchase more coverage, and deductible amounts if they want better coverage for medical and repair expense.
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