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There is a time limit on injury claims in Kentucky, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in Kentucky.
Limited
Time to file most injury claims in Kentucky. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Pure
Kentucky follows pure comparative negligence
This page describes Kentucky law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in Kentucky.
Kentucky applies pure comparative negligence, and it decides more claims here than any other single factor. Your recovery is reduced by your share of the blame, but it is never wiped out. Someone found 90% responsible can still recover the remaining 10%. Insurers know this, which is why so much of the early conversation is about shifting blame onto you.
There is a firm deadline for bringing an injury claim in Kentucky, and a much tighter one for claims involving a public entity. The clock runs from the collision itself, not from the diagnosis, which is why waiting to see how you feel costs people claims.
Minimum coverage requirements are set well below what a serious injury actually costs, so the at-fault driver’s policy is frequently exhausted before treatment is finished. Uninsured and underinsured motorist coverage on your own policy is often what decides whether a claim is recoverable at all.
Kentucky offers a choice between no-fault and full tort coverage, and the option you selected changes what you can claim for after a crash.
Jefferson and Fayette County dominate the caseload, and I-65, I-71 and I-75 carry substantial freight through the state.
Where a case would be heard changes what it is worth. Insurers evaluate the same injury differently depending on the county, the bench and the jury pool, which is why an attorney who regularly works your part of Kentucky is worth more than one who does not.
Each one is common, and each one is avoidable.
Adjusters move quickly on clear-liability collisions because early settlements are cheap ones. Sign before imaging has been read or a specialist has been seen and every later cost is yours. A released claim does not reopen.
Pure comparative negligence reduces recovery by your share rather than barring it, so a driver who was substantially responsible still recovers a proportion. People write off claims here that are worth pursuing.
A collision with a municipal truck, a transit vehicle or a state vehicle triggers a separate and far shorter deadline. People who wait the ordinary period find the claim expired long before.
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Time limits apply, and a much shorter one where a public entity is involved. Both start at the collision, not at the diagnosis.
We match you with an attorney licensed in Kentucky who handles your collision type and works the area where it happened. We are not a law firm and do not assess your claim.
Calls from the insurer, recorded statement requests and paperwork all go to them instead of you.
Your claim is valued once the treatment picture is clear, rather than from the discharge note the adjuster would prefer to settle from.
Fault is contested with evidence rather than conceded on a phone call, which under pure comparative negligence is where the money actually is.
Most Kentucky accident attorneys work on contingency. Our service costs you nothing at any stage, because attorneys pay us for the connection.
We match you with someone licensed in Kentucky who works your area.
Not on the list? We cover the whole state, including rural counties where fewer firms compete.
Kentucky sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
Kentucky follows pure comparative negligence. Your recovery is reduced by your share of the blame, but it is never wiped out. Someone found 90% responsible can still recover the remaining 10%. Insurers know this, which is why so much of the early conversation is about shifting blame onto you.
Probably yes. Pure comparative negligence reduces recovery by your share rather than barring it, so a driver found substantially responsible can still recover the remaining portion. It is worth having someone look rather than assuming.
No. What generally matters is where the accident happened. If you were injured in Kentucky while passing through or visiting, an attorney licensed in Kentucky is usually the right fit, and handling a claim remotely is routine.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most Kentucky accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
Free, about a minute, no obligation. We connect you with an independent attorney licensed in Kentucky.
ClaimMVA Now is a free matching service, not a law firm.