Whether it is a minor fender-bender or a high-speed collision resulting in catastrophic injuries, getting into a car accident can disrupt every part of your life and leave you dealing with financial and personal losses you were not prepared for. On top of that, filing a lawsuit against the person responsible for causing a traffic wreck can be a uniquely complicated process.

This traumatic and stressful situation is not a matter that you want to handle on your own, as any experienced personal injury attorney would tell you. If you were hurt in an automobile crash recently and want to ensure your rights are protected and that you get the maximum compensation possible for your ensuing damages, contacting the best Georgetown car accident lawyer you can find should be among your top priorities.

What Does State Law Say About Car Insurance?

Under Kentucky state law, every motor vehicle owner has to buy at least:

  • $25,000 of liability insurance coverage for injuries suffered by one other person in a single accident
  • $50,000 of coverage for all injuries suffered by other people in a single accident
  • $25,000 of coverage for all property damage sustained by other people in a single accident

In addition, unless the policyholder opts out of it by filling out and submitting a specific form with the state Department of Insurance, virtually every car insurance policy will include Personal Injury Protection (PIP) coverage—which will cover up to $10,000 of the policyholder’s own medical bills, lost wages, and other out-of-pocket expenses stemming from a wreck.

PIP benefits are available on a “no-fault” basis, meaning there is no need to prove anyone specifically at fault for the crash to receive them. However, what many individuals can rely on is that their own insurance company will attempt to seek reimbursement from the at-fault driver’s insurance company for anything they have to pay out for their driver, who was not at fault.

A top-rated Georgetown car accident attorney can go into more detail during a free consultation about how this “no-fault” system works and how to maximize financial recovery, and make sure you are getting the best treatment you are able to get through the help of personal injury protection insurance.

How Fault Works in Auto Accident Lawsuits

When someone injured in a car crash has grounds to file a civil claim to recover their damages, they can generally only recover compensation if they can prove someone else is at fault for the incident based on “negligence.” In brief, this means proving that a specific traffic violation or other irresponsible act by the named “defendant” was the direct or proximate cause of the accident and the injuries and losses suffered by the “plaintiff” filing suit.

A successful lawsuit or settlement demand along these lines can seek compensation and recoupment for numerous damages that most insurances typically would not cover, including:

  • Lost future working capacity
  • Long-term medical expenses
  • Various forms of physical and psychological suffering
  • Cosmetic damages such as scarring, chipped or knocked-out teeth, and other dental damages, hair loss, burn injuries

In rare cases involving extremely egregious negligence or overtly malicious misconduct, the court may also impose “punitive damages” against the defendant and award them as additional compensation to the plaintiff. Punitive damages are awarded in excess of general damages and may be more of a factor involving commercial accidents and their respective insurance carriers. While each case will involve unique factors and specific circumstances, the best car accident lawyers in Georgetown can explain all of your options to you and allow you to choose the best and most appropriate path during a free case evaluation.

Talk to a Top-Rated Georgetown Car Accident Attorney Today

One of the most difficult things to tell a client who contacts our office after an accident is that they waited too late. We offer free and private one on one consultations with an experienced Georgetown car accident lawyer to any person who reaches out to our office after a wreck. When you call Maze Law Offices, you get to speak with your attorney on day one, and will work with that same attorney from start to finish. We have helped recover millions of dollars in successful settlements for our clients. Call Maze Law Offices today for a free consultation and have your injury and accident related questions answered for free.

Maze Law Offices