Understanding Kentucky Personal Injury Laws and Automotive Insurance

Posted by Otis Maldonado on December 19th, 2020

Kentucky Personal Injury Laws regarding vehicle accidents are definitively connected with automotive insurance laws. This is a no-fault state, meaning that each person is covered by his or her own automobile insurance. Usually, it does not matter who was at fault. An exception would be when the maximum of the policy is not enough to cover all the medical bills. In that case, the individual may want to consult a lawyer to learn whether suing the other driver would be a possibility.

Inattention, Distraction and Fatigue

Vehicle collisions are caused by a large number of behaviors. Some involve inattention, distraction or fatigue. Behind the wheel, people can be distracted by a cell phone, spilling a beverage or staring at an accident scene in another lane. Kentucky prohibits certain types of cell phone use when driving. Reading, writing or sending text messages, instant messages or email are all illegal while driving. This type of behavior has been associated with a high percentage of serious collisions. It forces the driver's attention and vision away from the road.

Intentional Behaviors

Other behaviors are intentional, although not meant to be hazardous. Yet many drivers indulge in dangerous activity from time to time and think nothing of it until they cause an accident. One example is trying to beat yellow lights by speeding up, resulting in occasionally running a red light. Another is traveling faster than the speed limit, especially at a significantly higher rate. Some individuals drive too fast in foggy conditions or pouring rain. If these drivers cause a serious collision and the expenses are above the policy's limits, the injured person may want to contact car accident lawyers for a consultation.

Driving while intoxicated is associated with car crashes causing severe injuries and fatalities. The behavior is illegal in Kentucky, and a conviction of drunk driving is a criminal offense. An accident attorney can represent clients who have been seriously harmed by a drunk driver. The main issue will be whether the driver who caused the accident has enough assets to pay for the injured person's medical expenses that cost above and beyond the maximum of the insurance policy.

Concluding Thoughts

When someone is behind the wheel and behaves irresponsibly, the chance of a collision increases significantly. The lives of other people are negatively affected in ways that may last a lifetime. Anyone who is interested in scheduling a consultation with an injury lawyer can learn more and get started at the firm's website.