{"id":1050,"date":"2019-05-01T15:06:42","date_gmt":"2019-05-01T21:06:42","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1050"},"modified":"2019-05-08T16:22:50","modified_gmt":"2019-05-08T22:22:50","slug":"no-fault-insurance","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/no-fault-insurance\/","title":{"rendered":"No-Fault Insurance"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"117\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Header.Definitions-1024x117.jpg\" alt=\"Insurance term, definition, deductible, insurance deductibe, what is a deductible,\" class=\"wp-image-998\" srcset=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Header.Definitions-1024x117.jpg 1024w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Header.Definitions-300x34.jpg 300w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Header.Definitions-768x88.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"> How auto accidents are resolved vary by State <\/h4>\n\n\n\n<p>State auto insurance systems fall into one of two general approaches.&nbsp; The majority (38 states) operate under Tort laws.&nbsp; Tort law enables wronged parties the ability to seek compensation from the people or parties responsible.&nbsp;&nbsp; <\/p>\n\n\n\n<p>The remaining 12 states use an approach that is referred to as the No-Fault insurance system.&nbsp; No-Fault does not mean that no one is at fault.&nbsp; Providing additional insights into the no-fault system is more of a challenge.&nbsp; In its purest form, no-fault insurance means that regardless of fault, each party or their insurance company are responsible for the loss.&nbsp; A more accurate representation is that each party is required to cover their own losses up to a threshold.&nbsp; The system was initially adopted by 22 states under the premise of reducing litigation cost and ultimately the over cost to consumers.<\/p>\n\n\n\n<p>Kentucky operates under a no-fault insurance system.\u00a0 The Kentucky no-fault process is sometimes referred to as a choice no-fault insurance system.  Kentucky no-fault system applies to both personal vehicles as well as business vehicles written on a <a href=\"https:\/\/www.insuringky.com\/commercial-insurance.html\">commercial insurance<\/a> policy. \u00a0\u00a0\u00a0 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>How auto accidents are resolved vary by State State auto insurance systems fall into one of two general approaches.&nbsp; The majority (38 states) operate under Tort laws.&nbsp; Tort law enables wronged parties the ability to seek compensation from the people or parties responsible.&nbsp;&nbsp; The remaining 12 states use an approach that is referred to as [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,500,18,13],"tags":[1153,64,280,1083,1157,1147,267,270,506,594,595,1151,1150,502,1152,1149,1148,681],"class_list":["post-1050","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-commercial-auto-insurance","category-commercial-insurance","category-personal-insurance","tag-at-fault-insurance","tag-auto-insurance","tag-car-insurance","tag-kentucky-no-fault","tag-kentucky-no-fault-auto-insurance","tag-kentucky-no-fault-insurance","tag-ky-auto-insurance","tag-ky-car-insurance","tag-ky-no-fault-car-insurance","tag-no-fault-auto-insurance","tag-no-fault-car-insurance","tag-no-fault-accident","tag-no-fault-accident-insurance","tag-no-fault-insurance","tag-not-at-fault-insurance","tag-not-fault-accident","tag-tort-law","tag-vehicle-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1050","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=1050"}],"version-history":[{"count":2,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1050\/revisions"}],"predecessor-version":[{"id":1079,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1050\/revisions\/1079"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=1050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=1050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=1050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}