If you’ve been in an accident, you can claim back the money you spend on medical care. Kentucky is a “choice no-fault” state, which means that you can choose whether you’d like to get no-fault insurance or reserve the right to initiate a personal injury lawsuit. No matter what you’ve selected, contact a competent personal injury attorney in Louisville, KY, who can help you figure out whether you should make an insurance claim or sue the responsible party.

Who Will Pay My Medical Bills After a Car Accident in Louisville, KY?

Under normal circumstances, each motorist living in a no-fault state makes their own insurance claim, no matter who was at fault. If you’ve been in an accident and you haven’t opted out of no-fault car insurance, you need to speak to your insurance company and negotiate directly with them.

However, there is an element of choice in Kentucky, and you don’t have to adhere to the no-fault rule. In case of an accident, people who have rejected no-fault insurance have the right to sue the driver who caused the crash and ask them to pay for the damage to the car, the medical bills, the loss of income, and even the emotional trauma associated with the accident.

Should I File a Lawsuit or Should I Accept No-Fault Car Insurance? 

Whether it’s worth rejecting no-fault car insurance depends on your individual situation. If you have insurance, the Personal Injury Protection component is likely to cover around $10,000 worth of damage, although some policies are more comprehensive. Unfortunately, car accidents sometimes result in damage that far exceeds $10,000.

If comprehensive medical care is necessary or if you have a permanent disability due to your injury, you might have to pay many hundreds of thousands of dollars, and you’ll lose years’ worth of wages. For this reason, some drivers opt out of no-fault car insurance and reserve the right to sue drivers who cause an accident. It’s worth noting that there are some protections in place even for those who have no-fault insurance, especially if they have a long-term injury.

What Can a Personal Injury Attorney Do? 

As you can see, the laws regarding personal injuries are complex in Kentucky, and, depending on the type of insurance you’ve chosen, you have to either contact your provider or file a lawsuit. After an accident, it’s important to get in touch with an experienced lawyer as soon as possible. The attorney can go through your situation to figure out whether a lawsuit will be necessary.

If so, they will start to gather the relevant evidence to prove the other party’s guilt and to demonstrate that you are suffering. Relevant documentation might include photos and videos of the accident, witness statements, medical bills, and statements by your doctor and other medical professionals.

After an accident, you might have injuries that require a lot of care, and you might not be able to work like you used to. Fortunately, most people can get reimbursed for their medical bills and loss of income, either through their insurance company or by filing a lawsuit. Call us at Winton & Hiestand Law Group to speak to an experienced personal injury lawyer.