Highway Car Accidents in Florence

On US 42 and US 25, as well as the other highways that allow drivers to travel throughout Florence, accidents can prove catastrophic. Highways require drivers to travel at higher rates of speed than on back roads, which can mean greater accident risk. Furthermore, highways may be more crowded, further increasing the risk of devastating accidents. Following highway car accidents in Florence, injured individuals should consult with a skilled car accident attorney to learn about their options for compensation.

The State’s Modified No-Fault Car Accident System

Kentucky operates under a modified no-fault car accident system. In a standard no-fault system, individuals injured in an accident seek compensation through their own insurance policies, typically a personal injury protection (PIP) policy that covers medical expenses and lost wages resulting from the accident.

The state’s modified system allows drivers to opt out of no-fault coverage. If a driver completes the opt-out process, they can seek compensation directly from the at-fault driver’s insurance after a highway accident in Florence caused by negligence. Since opting out requires a deliberate action, drivers with standard auto insurance typically maintain PIP coverage.

Filing a Claim After a Highway Car Accident

After a crash on a Florence highway, drivers will generally start by filing a claim through their insurance company. No-fault coverage often means faster claim processing since they do not have to show evidence of liability or wait for the other driver to talk to their insurance company before receiving compensation.

PIP coverage generally provides compensation for immediate medical costs and lost wages up to the policy’s maximum coverage.

Once an injured individual has exceeded the value of their PIP protection in medical costs and wage losses, they may have the right to file a claim through the other driver’s insurance policy. Those claims generally include compensation for any medical costs and wage losses that exceed that value, as well as compensation for pain and suffering. Including general damages as part of a highway car accident claim can make it easier for injured individuals to rebuild their lives after an accident.

The Statute of Limitations in Highway Car Accident Claims

The Commonwealth of Kentucky allows injured individuals to file a personal injury claim two years after the accident. However, the statute of limitations for highway car accidents in Florence may be extended until the final personal injury protection (PIP) payout is received.

Working with a lawyer can help individuals injured in car accidents meet critical deadlines and recover the full compensation they deserve for their losses.

Reach Out to a Lawyer After a Highway Car Accident in Florence

Highway car accidents in Florence can cause serious damage, injuries, and can even be fatal. Working with a lawyer can make a big difference in your ability to navigate the claim process and recover fair compensation for your losses. A lawyer can ensure that you understand your options for compensation, including how to file a claim through your insurance company and what damages you can include as part of the claim.

If you were involved in an accident, do not face the legal process alone. Contact us now to schedule a consultation, and let us help you secure the compensation you deserve.