Most people understand that you need to get car insurance before you can legally drive your car. Kentucky has penalties for individuals who drive without insurance. You could be fined between $500 to $1,000 or serve up to 90 days in jail. Your vehicle’s registration will also be revoked. However, you do not just need car insurance to drive legally, car insurance also protects you financially in the event you get injured in a car accident.
Kentucky Is a Choice No-Fault Car Insurance State
Kentucky is what is known as a "choice no-fault" state when it comes to car insurance coverage and car accident injury claims. A no-fault insurance state allows drivers to turn to their car insurance policy to get compensated for damages, such as medical bills and other financial losses that happened due to a car accident, regardless of who was at fault.
In Kentucky, no-fault insurance pays up to $10,000 for medical bills, lost wages, and other out of pocket costs. These are known as personal injury protection benefits (PIP). Anyone who was driving or riding in the vehicle at the time of the car accident is entitled to PIP benefits.
You can choose to opt out of the no-fault system when purchasing car insurance in the state. What this means is that you have the right to pursue a personal injury lawsuit in the future if you get into a car accident and the other driver is at-fault. However, this also puts you at risk if you are found at-fault and you could get sued.
Are Car Accident Damages Covered When You Do Not Have Insurance?
Drivers who choose to drive around without insurance could face severe consequences. If you get into a car accident while driving without insurance, you will be cited and all the penalties for driving without insurance will apply, no matter who was at fault. You will not be compensated for damages if you are not at fault.
If you were at-fault, you will need to pay for the other driver’s damages out of pocket. This gets pricey when you consider how much it costs to repair two vehicles, cover hospital bills, and your own medical care. Also, the other driver and their insurance company could sue you. This could put you in debt and you might even have to file for bankruptcy.
How to Avoid Driving Without Insurance in Kentucky
The consequences of driving without insurance are more costly than purchasing car insurance coverage. You can get car insurance even if you are currently uninsured.
Were you injured in a car accident where the other driver did not have insurance? Contact our office online today or call (502) 937-1125 to learn more about how we can help.