Hit by an Out-of-State Driver in Kentucky? What You Need to Know

Kentucky's interstates carry drivers from everywhere. Learn how out-of-state and no-fault rules interact when an outside driver causes your crash.

Crossroads of the nation

Kentucky's four interstates carry a constant flow of out-of-state drivers — commuters from Ohio and Indiana, truckers crossing the country, and travelers on I-75. When one of them causes your crash, some extra questions arise.

Which state's law applies

Generally, a crash that happens in Kentucky is governed by Kentucky law, including its no-fault system and comparative fault rule. But the out-of-state driver's insurance policy and home-state requirements can affect coverage and add wrinkles, particularly with no-fault interactions.

Pursuing an out-of-state defendant

You can pursue a claim against an out-of-state driver or company for a crash that happened here. Kentucky courts can generally exercise jurisdiction over someone who caused harm in the state. Serving an out-of-state defendant and dealing with their insurer adds steps that an attorney can manage.

Commercial and rental vehicles

Out-of-state commercial trucks bring federal regulations and large policies into play, while rental-car crashes add the rental company's coverage. Identifying all applicable policies is key.

Hit by a driver from out of state? Call 973-566-5599 for a free review.