KRS 304.39-110 states the insurance requirements for motorcycle riders in Kentucky. Motorcycle riders must carry insurance with liability coverage of $25,000 for all claims for bodily injury damages and no less than $50,000 for all injuries sustained by all persons as a result of the accident. Also, an additional $25,000 must be covered with the insurance for all property damage that resulted from the accident.
If you’ve been in a motorcycle accident and need compensation from the insurance company quickly, then we can help. Insurance companies will often reduce compensation or deny your claim, but the law offices of Kaufman & Stigger will protect your right to compensation and negotiate with the insurance company on your behalf.
Contact us today for a free consultation to see what legal options are available to you.
How Can a Lawyer Help My Kentucky Motorcycle Accident Insurance Claim?
If your injuries are minor, such as scrapes and bruises, then you will most likely not need an attorney. But as most motorcycle riders know, accidents are usually far from minor. So, if you’ve sustained serious injuries and property damage after a motorcycle accident, it is recommended to consult with one of our Motorcycle Accident Lawyers at Kaufman & Stigger.
While insurance companies are there to provide financial support after a motorcycle accident, they will typically look to give you the lowest amount of coverage possible, or even deny your claim. In cases like this, our lawyers will hold the insurance company responsible for the full extent of the following damages after your motorcycle accident:
- Medical expenses: your current bills and the cost of your anticipated, future medical care
- Lost wages: these include wages lost while you were too injured to work, as well as damages to your future earning capacity if your injuries are too severe for you to resume your occupational duties
- Medical equipment: costs of altering your home, or vehicle due to your disability
- Property damages: if any damage was done to your property during a slip-and-fall accident it can be included in your compensation
- Pain and suffering: these are non-economic damages that will be determined by the severity of your injuries and the extent of treatment needed
What is Covered Under No-Fault Motorcycle Accident Insurance?
Under Kentucky Law, all motor vehicle owners must purchase and maintain at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $25,000 in property damage liability insurance. Motorcycle riders are exempt from having at least $10,000 in personal injury protection coverage, which is required by all other motor vehicles, but it is recommended considering how dangerous riding a motorcycle can be.
The law also states motorists are required to file a claim for accidents involving damages of $500 or more, regardless if they were at fault for the accident or not. This is so your own car insurance policy will cover your damages without requiring proof of someone else’s fault.
For example, if you were injured in a motorcycle accident and were not at fault, your own insurance would cover your medical bills up to $10,000, if you purchased personal injury protection coverage. However, if you suffered injuries without personal injury protection coverage, then you should consult with a Motorcycle Accident Lawyer to pursue compensation for your damages.
Do You Need a Police Report to File an Insurance Claim After a Kentucky Motorcycle Accident?
Yes, in Kentucky, you are required to file a police report if there is more than $500 worth of damage. If the damages are minor, however, then no police report is necessary. By law, you have 10 days to determine the damage and file a police report. So, if you don’t speak with the police immediately after your accident, you may still have time to report the damage and file an insurance claim.
Contact a Kentucky Motorcycle Accident Lawyer to Help with Your Claim
If you’re concerned about the next steps you should take, contact us today for a free consultation and case evaluation.
The legal team at Kaufman & Stigger, PLLC, will fight for you. Even a minor crash can cause hardship that insurance companies will refuse to compensate you for. We will take a stand on your behalf and help you recover the full amount of damages you are owed. There is no cost for our services unless we win your case. Then our fee comes out of the settlement you are rewarded.
