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Kentucky law requires all drivers to carry no-fault insurance, but recovering full compensation after a car crash often involves more than just filing a basic insurance claim. If someone else’s negligence caused the collision, it is usually possible to demand compensation beyond what is covered under personal injury protection (PIP).
At Busald Funk Zevely P.S.C., we focus on helping clients move forward while protecting their rights. With a deep understanding of car crash laws and a commitment to hands-on legal strategies, our talented personal injury attorneys have helped injured people for more than 40 years. Contact our firm today to speak with an Erlanger car accident lawyer.
What Should You Do After a Car Crash?
You should promptly notify your insurer that you have been in a crash after you leave the accident scene. You should also seek medical treatment for any injuries. Avoid giving detailed or recorded statements to your insurer until you understand your policy obligations. Call an Erlanger attorney as soon as possible after your auto crash and document everything, including towing expenses, rental car receipts, and time missed from work. Keep copies of all communications with health care providers and adjusters.
Getting Medical Bills Paid After a Car Crash
Under Kentucky Revised Statute § 304.39, drivers must carry PIP coverage to pay for their own medical bills, regardless of fault. This insurance includes up to $10,000 for medical expenses, lost income, and essential services. However, serious injuries often cost far more than $10,000.
In such cases, pursuing compensation through the at-fault driver’s liability insurance becomes necessary. This compensation can include payment for out-of-pocket medical costs, continued treatment, and future care needs. When insurers deny payment or delay processing, filing a personal injury lawsuit is usually the only way to ensure full compensation.
In some circumstances, health insurance carriers can help temporarily if they can claim part of your personal injury settlement later. Navigating these overlapping financial obligations is much less stressful with the guidance of our Erlanger car crash attorneys.
No-Fault Car Insurance
As our experienced car wreck lawyers in Erlanger can explain in more detail, Kentucky uses a choice no-fault system. This means, by default, drivers accept no-fault coverage, but they may reject it in writing under Kentucky Revised Statutes § 304.39-060. Those who retain no-fault rights are generally barred from suing another driver unless the injuries meet a legal threshold.
This threshold is reached when medical expenses exceed $1,000 or when the crash results in a broken bone, permanent disfigurement, or a permanent injury. Once this threshold is met, the injured person can file a lawsuit for pain and suffering, future lost income, and other damages that are not available through PIP benefits. If you are unfamiliar with the implications of opting in or out of the no-fault system, reviewing policy documents can make a significant difference in the outcome of your case.
Building a Strong Claim With the Right Evidence
Proving fault in an auto accident case requires thorough evidence, which our attorneys in Erlanger can help you gather. Police reports, medical records, witness statements, and vehicle damage assessments all help establish liability. Photographs from the scene, traffic camera footage, and data from electronic logging devices or dash cams can further support a case. In more complex collisions, accident reconstruction experts may be needed to interpret skid marks, angles of impact, and timing.
Our firm has experience handling serious injury cases, including those involving multi-vehicle collisions and commercial truck crashes. We focus on early case development and preserving evidence before it is lost or destroyed.
Contact an Erlanger Attorney To Discuss Your Car Crash Case
Busald Funk Zevely P.S.C. has built a trusted reputation by delivering personal, results-driven service. Our clients often praise our attorneys for being responsive, thorough, and reassuring during complex cases. Whether we assist with a difficult insurance company or take your case to court, we can reduce your stress and help maximize your recovery. Contact us today to schedule a free consultation with an Erlanger car accident lawyer and let us fight to get you justice.
