CAR ACCIDENT ATTORNEYS IN COVINGTON, KENTUCKY

A car accident can happen in an instant. A car wreck that was someone else’s fault could end up changing your life for years to come. In some cases, you might have to deal with your disability and impairments for the rest of your life.

At The Berger Firm, we understand the emotional hardships that you may experience in the aftermath of a car crash in Covington or other parts of Kentucky. We have the necessary expertise and resources to aggressively fight for your rights and help you achieve the most favorable outcome possible in your case.

If you or someone you love suffered injuries in a car accident, our attorneys at The Berger Firm are prepared to help you seek maximum recovery to get back on your feet as soon as possible and move forward with your life. We represent car accident victims in Covington, Newport, Florence, and throughout Greater Cincinnati and Northern Kentucky.

KENTUCKY: A NO-FAULT INSURANCE STATE

Kentucky is a choice no-fault insurance state. This means that all motorists in the Commonwealth of Kentucky are required to purchase no-fault Personal Injury Protection (PIP) coverage on their auto insurance policy by default.

When a car wreck occurs and a driver has no-fault PIP coverage, they can file a claim with their own insurance company to recover compensation for their losses regardless of who caused the accident. However, since Kentucky is a choice no-fault state, it allows drivers to opt out of the no-fault system by submitting a No-Fault Rejection Form to the Kentucky Department of Insurance.

DETERMINING FAULT AFTER KENTUCKY CAR ACCIDENTS

Even though Kentucky is a choice no-fault insurance state, it is still crucial to determine fault for the car crash. When determining what caused the accident, your attorney will look for evidence of negligence on the part of the other driver.

If you can prove that the other driver was negligent or otherwise at fault for your car wreck, you might be entitled to financial compensation for your losses and damages, including medical bills, property damage, loss of income, and more.

However, when seeking compensation after a car crash in Kentucky, you need to understand how the state’s pure comparative negligence doctrine works. Under this legal doctrine, injured parties are entitled to compensation for their losses even if they were partially or mostly at fault for the accident. It means that you can obtain compensation for your injuries stemming from a car accident even if you were 99% at fault.

Note that under the comparative negligence rule, the injured party’s financial compensation is diminished in proportion to their percentage of fault.

FILING A LAWSUIT AGAINST AN AT-FAULT DRIVER

In Kentucky, car accident victims are not permitted to file a lawsuit against the at-fault driver unless their damages exceed $1,000 and/or if the car wreck resulted in any of the following:

• Permanent loss of body function

• Permanent injury

• Permanent disfigurement

• Fracture of a weight-bearing bone

• Displaced, compound, or compressed bone fracture

The threshold exists only for injuries. Even if your injury does not meet the threshold, you could still file a lawsuit against the at-fault driver to obtain compensation for the cost of repairing your damaged vehicle or replacing your totaled vehicle.

The statute of limitations for personal injury cases in Kentucky is only one year from the date of the injury. The time limit to bring a lawsuit for property damage following a car crash is two years from the date of the accident.

A TAKE-CHARGE APPROACH

Our skilled and knowledgeable car accident attorneys at The Berger Firm have earned a reputation for our personalized approach to client service. We never take a “one size fits all” approach when handling car accident cases in Covington or elsewhere in Kentucky. After learning the unique details of your situation, we take charge to find solutions.

Ultimately, our goal is to help clients secure the maximum compensation to which they are entitled and hold the at-fault party responsible for their negligence. We are ready to investigate every aspect of your claim and stand by your side during the negotiation, settlement, and litigation processes.