Kentucky law requires insurance companies to total a vehicle if the cost of repairs exceed 75% of the vehicle's value as determined by the National Auto Dealers Association. If your vehicle is totaled you may have some other options.
Investigating police officer does not legally determine who is responsible for causing a car, motorcycle or truck accident, but, his or her report is heavily relied upon by insurance companies and lawyers.
Insurance companies have placed exclusions in their auto insurance policies to reduce their exposure in auto accident claims that should make you reconsider using uber transportation or a taxi service.
An unfortunate reality is that auto accident victims are frequently limited to the amount of the insurance maintained by the at fault party. We can protect ourselves from this reality by purchasing uninsured motorist coverage and underinsured motorist coverage.