Kentucky Motorcycle Accident Frequently Asked Questions
Frequently asked questions about Kentucky motorcycle accidents can lead to general information that may be useful in understanding how accidents are viewed, what the risks are, and how to go about recovering some of the losses you face. At the same time, these are general questions and not specific to your personal situation. The answers may give you a decent grasp of the laws that govern the situation. However, you’re also encouraged to seek professional legal advice in a timely manner so that your personal injury case can be correctly and immediately addressed.
How often do people die in motorcycle accidents in Kentucky?
Obviously, riding a motorcycle is more challenging than driving a car. It also involves a lot more risk because there is no structure to protect you from the road or outside elements in the event of an accident. The National Highway Traffic Safety Administration reports that in 2014, 86 people died from a motorcycle accident. While that’s a lower number than the 96 who died in 2010, it’s still 13% of the fatalities from collisions in Kentucky.
What insurance requirements are there for motorcycle riders in Kentucky?
Kentucky requires all drivers to carry at least minimal Personal Injury Protection (PIP) insurance. All drivers that is, except for those who ride motorcycles. This is because Kentucky is a no-fault state, so that when you get into an accident, it is your insurance that you turn to rather than the other drivers, with some exceptions. However, there is a caveat. Motorcycle riders who don’t have PIP are unable to collect the basic $10,000 coverage from any PIP plan, even if it is the other party’s fault.
What are tort laws and how do they apply to motorcycle riders in Kentucky?
Anyone who operates a motorized vehicle does so with the understanding that there are tort limits in place. By operating the vehicle, the state assumes that you understand the tort laws and limits and that you agree to comply with them. This means you are restricted by the limits concerning meeting financial thresholds. The other option is to reject your right to prevent someone from suing you before they hit those thresholds, and enjoying the right of not having to meet those thresholds. However, you need to file the appropriate rejection form in order to do this. Keep in mind that fatality in a motorcycle accident is not all that uncommon, so your decisions may have an impact on your loved ones, even if they never have an impact on you personally.
What are the risks of operating without insurance?
Basically, the risks involve putting your financial status up for grabs. When you have insurance, you already know you are covered. You could be responsible for some of your own expenses if you don’t have a personal injury attorney, but you might also prevent yourself from getting sued before someone meets the threshold.
If you are in a motorcycle accident, don’t attempt to figure out the process alone. We can help. Call Harville Law Offices at (502) 245-2333 or contact us online for a consultation.