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At-fault Auto Insurance Kentucky KY
Reader’s Question:
I got involved in a car accident here in Kentucky, and it was determined that the at fault party will be liable to pay us for damages. I was wondering if the other party’s insurance will pay for the repairs on my vehicle.
Iris
Louisville, KY
Unless the other party has inadequate car insurance (or no insurance at all), you shouldn’t have to worry about getting re-reimbursed for damages caused to you. Especially if it was ordered by the judge. The liability coverage clause of the “at fault party” will be the one to cover for all repairs needed to ensure your vehicle’s monetary value is restored to the original amount (minus depreciation costs of the vehicle, but this depends on your insurance policy) prior to the car accident, assuming that the said party’s liability coverage limits are high enough to cover the total costs of damages and repair.
If you determine that the at-fault individual or party’s insurance is inadequate don’t lose hope yet. I suggest you get in touch with your car insurance company and see if you have an Underinsured/ Uninsured Motorists Insurance Clause under your policy there in Kentucky. This kind of policy will pay you the remaining amount needed to restore your vehicle in the event the at-fault’s insurance coverage is inadequate to do so. The other party’s insurance will still have to pay for the repairs and damages and only after its liability coverage has been exhausted will your Underinsured/ Uninsured Motorists Insurance Coverage kick in.
In the event that you don’t have any insurance at all (which is against the law in most states) and the other party’s insurance is unable to pay the rest of the damages your vehicle incurs I’m afraid you will either have to pay for the repairs yourself.
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