While ridesharing offers customers an affordable and stress-free way to get around Kentucky, being hurt in an Uber or Lyft crash is certainly not. If your accident has left you injured, you must seek prompt medical care and take measures that can help safeguard your right to fair compensation.
Understanding Kentucky’s ‘no-fault’ insurance system
Under the state’s no-fault insurance laws, drivers must carry a basic personal injury protection (PIP) insurance coverage of $10,000 per person, per accident. This system helps ensure that policyholders can receive immediate support for their medical expenses, regardless of fault.
In other words, you can have the driver’s PIP insurance pay for your medical expenses or file your own PIP benefit claim (if you have one) with your own insurance provider.
However, if the crash has caused you a permanent injury, a broken bone or a medical bill that exceeds the basic PIP insurance threshold by $1,000, you may sue the rideshare driver and/or their company for additional compensation.
When is the rideshare driver at fault?
If the accident has caused you serious injuries, the driver and/or their company may be liable for damages. For example, if an Uber driver was transporting you as “a passenger” when the crash happened, their company’s insurance can provide full liability coverage.
Seek justice for your intangible losses
Since your situation is complex and may involve multiple insurance policies, hiring a lawyer can be beneficial for your personal injury case. With their guidance, they can help collect evidence of your crash and advocate for your rights in court.