Will Kentucky No-Fault Cover me if I am injured in another vehicle?

If you are injured while occupying another vehicle and that vehicle does not have insurance, you can make a claim with your own no-fault carrier even though your vehicle was not involved in the accident. The Kentucky no-fault statute allows you to use your no-fault as a back-up policy if the vehicle you are in is not insured. Of course, if the vehicle you occupied at the time of the accident was insured, then you would use that vehicle's no-fault insurance.

The ability to use your vehicle's no-fault coverage as a back-up will not likely apply if you are riding a motorcycle because most insurance policies have an exclusion for motorcycles. You will need to have your motor vehicle accident attorney review your automobile insurance policy carefully.

FInally, if you occupy an uninsured car that is owned by someone else and do not own a vehicle, you can obtain no-fault coverage through the assigned claims plan. The assigned claims plan is designed to cover loop holes in the no-fault system. One of those loopholes is when someone is an occupier of an uninsured vehicle but does not own a vehicle themselves.

The Kentucky no-fault laws are complicated, which is why it is important that you contact an attorney who handles auto, truck and motorcycle accidents exclusively, like the Kentucky Auto Accident Attorney, in order to make sure your rights are protected. You may call the Kentucky Auto Accident Attorney at 502-241-8000 or 859-367-0036 or click here.