Car Accidents

Car accidents can cause serious disruptions to your health, job, and finances. Medical bills begin to pile up, your ability to work may be limited, and you might face ongoing vehicle repair issues. On top of these challenges, you may find yourself dealing with insurance companies that are focused more on saving money than helping you recover. For many people in Lexington and Central Kentucky, these concerns arrive all at once, leaving little time to make informed decisions.

Working with a car accident lawyer can help you manage the legal and financial aspects of a crash. An attorney can deal with the insurance company, collect necessary evidence, and build a strong compensation claim. Having legal guidance from the outset protects your rights, helps you avoid common mistakes, and enhances your chances of securing a fair outcome. Whether you’re dealing with a distracted driver, a commercial vehicle collision, or a disputed liability, the proper support can make a significant difference.

At Todd & Todd, we bring decades of experience to personal injury cases involving auto accidents throughout Lexington and Central Kentucky. We believe in maintaining strong communication, giving every client our full attention, and approaching each case with strategy and persistence. Our firm’s hands-on style ensures you are never left wondering about the status of your case or the next step forward.

What You Should Know About Car Accident Claims in Kentucky

Kentucky’s No-Fault Insurance System

Kentucky follows a no-fault insurance model. After most accidents, your own insurer pays for medical bills and lost wages up to a specific limit, no matter who caused the crash. This system relies on Personal Injury Protection (PIP) coverage, which is included in most auto policies.

Why Uninsured and Underinsured Motorist Coverage Matters

Even though Kentucky requires drivers to carry auto insurance, many people drive without adequate coverage, or any insurance at all. If you’re injured in a crash caused by an uninsured driver, you could be left with medical bills, lost wages, and other expenses that the at-fault party doesn’t cover. This is where uninsured motorist (UM) coverage becomes critical. UM coverage steps in to cover your losses when the other driver cannot, helping to protect you from the financial fallout of someone else’s negligence.

Similarly, underinsured motorist (UIM) coverage is essential when the at-fault driver has insurance, but not enough to cover your damages fully. For example, if your injuries result in $100,000 in damages but the other driver’s policy only covers $25,000, your UIM coverage can help make up the difference. Having both UM and UIM coverage on your policy gives you added peace of mind and a financial safety net when the unexpected happens.

When You Can File Against the Other Driver

You may be eligible to step outside the no-fault system and file a claim against the at-fault driver if your injuries meet Kentucky’s threshold for severity. Common qualifying injuries include broken bones, permanent disfigurement, and significant impairments that affect your ability to function.

Types of Compensation Available

If you meet the threshold to pursue a third-party claim, you can seek several forms of compensation. These financial damages are meant to help you recover from both the immediate and long-term consequences of the accident. Depending on your case, you may be entitled to:

• Medical expenses, including emergency care, surgeries, medications, and ongoing rehabilitation
• Lost income from time missed at work due to injuries or treatment
• Future loss of earning capacity if your injuries limit your ability to work long-term
• Property damage, including vehicle repairs or replacement
• Pain and suffering tied to physical discomfort, emotional distress, and reduced quality of life
• Other related costs, such as transportation to medical appointments or home modifications for serious injuries

A car accident attorney can help assess the full scope of your losses and present a strong claim supported by documentation, expert opinions, and evidence. Our firm ensures nothing is overlooked when it comes to protecting your financial future.

Comparative Fault in Kentucky

Kentucky uses a comparative fault rule. This means that if you are partially responsible for the accident, your compensation will be reduced by your percentage of fault. For example, if you are 30 percent at fault, your recovery is reduced by 30 percent.

Time Limits for Filing a Claim

The statute of limitations for car accident claims in Kentucky is generally two years from the date of the accident or the date of your last PIP payment. Failing to act within this timeframe can prevent you from recovering compensation.

How We Can Help

Our firm takes immediate steps to preserve evidence, interview witnesses, and identify all possible sources of compensation. We have a strong understanding of Kentucky personal injury law and push back against low settlement offers that do not reflect the actual value of your case.

Frequently Asked Questions

What should I do after a car accident?

First, call 911 and seek medical attention. Report the accident to the police, exchange information with the other driver, and take photos if it is safe to do so. Once your immediate needs are addressed, consult with a car accident lawyer to protect your rights and ensure a smooth insurance claim process.

Can I file a claim if I was partially at fault for the crash?

Yes. Kentucky allows you to pursue compensation even if you share some of the blame. Your compensation will be reduced based on your level of fault, but you are still eligible to recover damages under the comparative fault system.

What types of compensation can I receive?

You may be able to recover compensation for medical bills, lost wages, vehicle repairs, pain and suffering, and future medical treatment. The total amount depends on the severity of your injuries and how the crash has affected your life.

What if the other driver does not have insurance?

If the at-fault driver is uninsured or underinsured, you may still be able to recover through your own insurance policy. Many policies include uninsured motorist coverage that can help cover your losses.

How long will my case take?

Each case is different. Some car accident claims settle within a few months, while others may take a year or longer, particularly if litigation is involved. Our firm keeps you informed and moves your case forward with care and urgency.

Start Your Recovery with the Support You Deserve

Auto accidents can create overwhelming problems that affect nearly every part of your life. From dealing with injuries and medical bills to navigating insurance disputes, many people are unsure where to start or whom to trust.

At Todd & Todd, we are committed to helping injured individuals in Lexington and Central Kentucky move forward with confidence. We combine local experience, responsive communication, and proven results to give every case the attention it deserves. Our team is ready to step in and help you pursue the outcome you need.

If you were injured in a car accident, do not wait to get the legal support you need. Contact us today to schedule a consultation. Learn more about our personal injury practice or visit our home page to discover how we serve clients throughout Kentucky.