In Kentucky, motorists must purchase liability auto insuranceas well as personal injury protection (PIP). Because you must have both types of coverage, it is important both your own insurer and the insurer of the driver responsible for the accident are notified after you are involved in a crash. You need to understand the process for reporting a car accident and making a damage claim after a collision.
How to Report a Car Accident
Notify your insurance company that an accident has happened. Call your insurer as soon as possible following the crash. Most insurers will accept calls for claims 24 hours per day every day of the week. Your insurance card should have a telephone number for you to call to make a claim.
If you are able, call right away when the accident happens. If you suffer serious or life threatening injuries, get medical attention first and call your insurer when your condition has stabilized. Provide details to the insurer of your accident. Get an accurate medical diagnosis of all crash injuries and keep records as well. Your insurance policy will cover the costs of your medical bills and lost income, up to PIP policy limits.
The other driver may have been responsible for causing your crash. However, no matter who was to blame for the accident, PIP pays for treatment of minor injuries. In the event injuries were serious, you can pursue a claim for additional compensation from the driver who hurt you. The driver’s liability insurance coverage should pay for economic and non-financial losses provided you can prove the policyholder was negligent in causing the accident. You want to obtain the insurance information from the driver who caused the accident so you can pursue a claim against him for serious injuries. If your family member has been killed in a motor vehicle collision, obtaining the information from the other driver is also important to make a wrongful death claim.
The insurance company for the driver who caused your crash is going to wish to speak with you about how the accident happened. You must be careful what information you provide and what details you disclose about the accident. You could jeopardize your crash claim or make it more difficult to get full and fair compensation for an accident if you say the wrong thing to the insurer of the other driver.
It is helpful to write down the details of the accident so you can remember what happened and maintain a consistent narrative describing the events of the collision. You should speak with an experienced car accident attorney in Kentucky to deal with the insurance companies. The insurance company may offer a settlement and if you accept, you will be unable to sue and will need to sign a liability release. If no settlement is reached, you will need to pursue a personal injury or wrongful death claim to get compensation from the driver who was responsible.