A drunk driving crash can leave you with medical bills, car repairs and lost income. These costs can create financial strain, especially when the driver who caused the crash has no insurance or money to pay you. However, Kentucky law may offer other ways to seek compensation for your losses.
You may still have options for compensation
Kentucky requires drivers to carry car insurance, but some drive without it. If an uninsured drunk driver injures you, your own insurance policy may help cover your losses. Uninsured motorist coverage can pay for certain expenses when the at-fault driver has no insurance, subject to your policy limits and terms.
How uninsured motorist coverage works
Uninsured motorist coverage can help pay for injuries caused by an uninsured driver. Depending on your policy, you may receive compensation for medical bills, lost wages and other covered losses. Your coverage limits determine how much your insurer will pay, so reviewing your policy can help you understand your options.
Underinsured motorist coverage may also help if the driver has insurance but cannot cover all your losses. The amount available depends on your policy and Kentucky law.
Other ways to seek compensation
Kentucky’s Motor Vehicle Reparations system may provide personal injury protection (PIP) benefits after a qualifying crash. These benefits generally cover eligible medical expenses, lost wages and certain other costs, regardless of fault. Basic coverage generally provides up to $10,000 per person, subject to applicable rules and policy terms. However, PIP benefits may not cover all your losses.
You may also sue the drunk driver to recover your losses. However, winning a lawsuit does not guarantee payment if the driver has no money or property. If the driver gains assets later, you may have options to collect the judgment, subject to legal limits.
In some cases, you may also have a dram shop claim against an alcohol provider. Kentucky law may impose liability when a licensed alcohol provider serves an already intoxicated person under circumstances that meet the state’s legal requirements. Liability depends on the facts of the case.
Understanding your legal options
Reviewing your insurance policy can help you identify possible sources of compensation. A Kentucky attorney can explain your rights, assess potential claims and help you decide which options may fit your situation.
