How does insurance work when it’s not your fault?

In most cases, if you aren't at fault in a car accident, the other driver's state-mandated liability insurance coverage would pay for damage to your car, property and for medical bills for injuries, up to the limit of the policy. This is especially useful if your policy doesn't have adequate coverage.

Who pays for car damage in a no-fault state Kentucky?

Yes, Kentucky is a “choice no-fault” state, which means that, by default, drivers in Kentucky are required to carry PIP coverage on their auto policy and file accident claims through their own insurance first, but the Commonwealth does allow drivers to opt out of the no-fault system by request.

How does Michigan No-Fault Insurance Work?

If you have an auto accident, no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people's property. It does not matter who caused the accident. Your basic no-fault insurance does NOT pay for repairs to your car.

How does no-fault insurance work in Kentucky?

With no-fault car insurance, your own insurance policy covers your medical bills and other economic losses after a car accident, regardless of who caused the accident. You can opt out of the no-fault system in Kentucky, preserving your right to sue an at-fault driver after a car accident.

What is a no-fault road in Kentucky?

The state of Kentucky is called a no-fault state because of a law stating that each driver in the state of Kentucky has to file a claim with their insurance company first to get compensation for medical bills and other financial losses caused by the accident according to their own insurance policy.

What happens if the person at fault in an accident has no insurance in Kentucky?

If the uninsured driver caused your crash, you may be able to seek financial compensation from your own insurance provider through a type of coverage known as uninsured/underinsured motorist insurance (UM/UIM). Uninsured motorist insurance is a required type of coverage in Kentucky.

Should I reject Kentucky no-fault?

Kentucky No-Fault artificially restricts your right to sue someone who causes injuries to you in an auto accident. If you do not like this restriction, you can reject Kentucky no-fault and be free to sue anyone you want. All you need to do is sign a rejection form that your insurance agent can provide for you.

How does insurance work when it’s not your fault?

In most cases, if you aren't at fault in a car accident, the other driver's state-mandated liability insurance coverage would pay for damage to your car, property and for medical bills for injuries, up to the limit of the policy. This is especially useful if your policy doesn't have adequate coverage.

Do you have to pay your deductible if you’re not at fault Michigan?

Under the Michigan No-Fault insurance law, if you chose to have a deductible on your No-Fault coverage for auto-accident-related medical bills, then you will have to pay the deductible – even if you are not at fault and had nothing to do with causing the car accident.

What is the new no-fault law in Michigan?

No-fault will pay up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. It will also pay for damage your car does to another person's properly parked vehicle.

What does no-fault insurance in Michigan mean?

Michigan's no-fault insurance protects insured persons from being sued as the result of an automobile accident, except in certain situations. This includes when the injured party does not have enough coverage to pay for treatment or payment must be made to compensate someone that was killed or seriously injured.

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