PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Is Kentucky a no-fault state?
My sister was in a car accident last week that she caused. Is Kentucky a no-fault state or will she have to pay for the other driver’s damages?
Melanie Johnson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
So sorry to hear your sister was involved in a collision. Kentucky is a no-fault state, but this doesn’t mean that no blame is assigned in a collision. Let’s dig into the details:
- In an at-fault state, also called a tort state, the driver who causes the accident is liable for paying for the other driver’s damages incurred.
- In a no-fault state, drivers will go to their respective insurers for compensation for medical expenses resulting from an accident. However, the responsible driver is usually still required to pay for the other driver’s property damage.
Kentucky is one of 12 no-fault states. Here are the others:
- Florida
- Hawaii
- Kansas
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
In your sister’s case, her insurer is likely responsible for paying for the other driver’s damages incurred in the accident. Depending on the amount of coverage your sister has, her damages may not be covered. If she would like greater protection in the future, she may consider purchasing
full coverage insurance
.An at-fault accident will likely cause your sister’s
Kentucky car insurance costs
to go up. Licensed broker
and comparison app
Jerry
can help lower her costs—and yours, too! Here’s how it works: Jerry will provide you with quotes curated from some of the country’s top insurers in less than a minute. Just select the policy you want and Jerry will handle the rest. Users save an average of more than $800 per year when switching with Jerry.
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies