This is a video in our LawTok series: Straight Talk with a Personal Injury Lawyer
Hi, folks. Rob Morrin here, Kentucky’s personal injury attorney. I want to talk to you about a question we get a lot of, which is how long do I have to file a claim or lawsuit after a car accident? The general rule in Kentucky is after an accident in Kentucky involving motor vehicles of any kind, you have two years from the date of the accident or the last PIP payment. What is PIP? It’s basic insurance that every Kentuckian has at least $10,000 of. After an accident, that can go to medical bills, lost wages and other necessary out-of-pocket expenses.
But don’t wait to get professional help, because there are things that you can do in the meantime that can really mess up your claim and prevent the insurance company, basically give them a reasonable basis to deny your claim or to actually just pay pennies on a dollar. So what you want to do is you want to get advice in terms of how you should proceed with your medical care, how you should proceed with the insurance company real quick. Don’t provide a recorded statement to them. But the main thing is don’t wait. One thing that they’ll absolutely kill you on and just deny your claim on, is if you wait to treat. So if you’re hurt after an accident, you have to get treatment. You need to go to the ER, go to an urgent care, go to your primary care physician. Get a medical professional to look you over and make sure that nothing’s wrong that’s going to be permanent or long term.