Automobile accidents are so common in Kentucky, our legislature adopted the Motor Vehicle Reparations Act (MVRA) – KRS 304.39. In addition to establishing a law requiring all Kentucky drivers to carry a minimum amount of insurance ($25,000.00), it established other standards and time limitations. Most importantly, it set the ground rules requiring that victims of the negligence of other drivers be fully compensated.
The Kentucky MVRA set out accident victims' right to be compensated for medical bills, lost wages, permanent impairment, pain and suffering, property damage and other elements of damages. It also created a requirement that all drivers be insured for $10,000.00 in damages regardless of the driver at fault.
If you have been in a car wreck, don't talk to anyone at the insurance company until you've spoken to a lawyer. It is an insurance adjuster's job to pay as little money on each claim as he or she can. Insurance adjusters and investigators try to get inaccurate, damaging statements from accident victims before an attorney is involved in order to lower the value of the accident victim's case. An experienced attorney is the key to protecting your rights.
Since opening his law office in Richmond, Wesley Browne has handled countless car accident cases and helped his clients get the damage payments they deserved for the injuries they suffered. Don't go it alone. Consultations are free and there is no fee unless we collect for you.
Motor Vehicle Reparations Act
Policy and Purpose
The toll of about 20,000,000 motor vehicle accidents nationally and comparable experience in Kentucky upon the interests of victims, the public, policyholders and others require that improvements in the reparations provided for herein be adopted to effect the following purposes:
(1) To require owners, registrants and operators of motor vehicles in the Commonwealth to procure insurance covering basic reparation benefits and legal liability arising out of ownership, operation or use of such motor vehicles;
(2) To provide prompt payment to victims of motor vehicle accidents without regard to whose negligence caused the accident in order to eliminate the inequities which fault-determination has created;
(3) To encourage prompt medical treatment and rehabilitation of the motor vehicle accident victim by providing for prompt payment of needed medical care and rehabilitation;
(4) To permit more liberal wage loss and medical benefits by allowing claims for intangible loss only when their determination is reasonable and appropriate;
(5) To reduce the need to resort to bargaining and litigation through a system which can pay victims of motor vehicle accidents without the delay, expense, aggravation, inconvenience, inequities and uncertainties of the liability system;
(6) To help guarantee the continued availability of motor vehicle insurance at reasonable prices by a more efficient, economical and equitable system of motor vehicle accident reparations;
(7) To create an insurance system which can more adequately be regulated; and
(8) To correct the inadequacies of the present reparation system, recognizing that it was devised and our present Constitution adopted prior to the development of the internal combustion motor vehicle.
Effective: July 1, 1975
History: Created 1974 Ky. Acts ch. 385, sec. 1, effective July 1, 1975.
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