Kentucky Accident Lawyers

Truck, Rideshare, Motorcycle, or Pedestrian Accident in Kentucky?

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Accident Cases Across Kentucky

Sam Aguiar Injury Lawyers represents people hurt in motor vehicle accidents anywhere in Kentucky, from offices in Louisville and Lexington. The type of vehicle involved, and whether the injured person was in it or on foot, sets which insurance applies and how much coverage the law requires.

A car accident between two cars or SUVs is the baseline case; the sections below add the rules for trucks, rideshare vehicles, motorcycles, pedestrians, bicyclists, uninsured drivers, and drunk drivers. Sam Aguiar Injury Lawyers also takes bus accident, delivery vehicle accident, ATV accident, and hit-and-run cases, and wrongful death cases for families who lost someone in an accident.

Kentucky Accidents by Vehicle Type

Passenger cars were 90% of the vehicles in Kentucky collisions in 2024 and 70% of the vehicles in fatal collisions. Motorcycles were less than 1% of the vehicles in all collisions but 9% of the vehicles in fatal collisions. Trucks were 5% of the vehicles in all collisions and 7% in fatal collisions.

Vehicle Type	All Collisions	Fatal Collisions
Passenger cars	192,764	811
Trucks	10,286	82
Motorcycles	1,703	103
Motor scooters and motor bikes	292	14
School buses	365	1
Other buses	1,000	3

Vehicles involved, 2024. Source: 2024 Kentucky Traffic Collision Facts, Types of Vehicles Involved in Collisions. Passenger cars include automobiles and trucks registered at 6,000 pounds or less; trucks are vehicles registered at 10,000 pounds or more.

Kentucky had 1,115 collisions with a pedestrian in 2024, which killed 97 people, and 454 collisions with a bicyclist, which killed 14. Drivers left the scene in 12,744 collisions, and those hit-and-run collisions killed 27 people and injured 1,290.

Insurance by Accident Type

Kentucky and federal law set different insurance rules depending on the vehicle and on where the injured person was. Each row below names the rule for one accident type and the law that sets it.

Passenger Car

Kentucky requires vehicle liability coverage of at least $25,000 for one person’s injuries, $50,000 for all injuries in one accident, and $25,000 for property damage, or a $60,000 single limit, under KRS 304.39-110.

Commercial Truck

For-hire carriers hauling nonhazardous property across state lines in vehicles rated at 10,001 pounds or more must carry at least $750,000 in liability coverage under 49 CFR 387.9. Higher minimums of $1,000,000 and $5,000,000 apply to oil and listed hazardous materials. A Kentucky truck accident case against such a carrier can draw on those limits.

Rideshare Vehicle

While an Uber or Lyft driver is logged into the app and waiting for a request, the company’s coverage must be at least $50,000 per person, $100,000 per incident, and $25,000 for property damage. Once the driver accepts a ride, the minimums rise to the limits Kentucky sets for vehicles that carry passengers for hire, starting at $100,000 per person and $300,000 per accident, under KRS 281.655. A rideshare accident case draws on whichever of these limits matches the driver’s app status.

Motorcycle

Kentucky’s no-fault benefits do not cover a motorcycle operator or passenger unless that coverage was bought as an option, under KRS 304.39-040. Every insurer writing motorcycle liability coverage in Kentucky must offer it. Unless the rider bought that option, a motorcycle accident case has no no-fault benefits to draw on.

Pedestrian

No-fault benefits for a person on foot come from the policy on the vehicle that struck them, under KRS 304.39-050. That statute treats anyone not using a motor vehicle as a pedestrian, and KRS 304.39-020 defines a motor vehicle as one propelled by something other than muscular power, so the rule reaches bicyclists too.

Uninsured Driver

Uninsured motorist coverage on your own policy pays when the at-fault driver has no liability insurance. Kentucky auto policies must include it unless a named insured rejected it in writing, under KRS 304.20-020.

Alcohol-Related Accidents

Kentucky had 3,505 alcohol-related collisions in 2024, which killed 152 people and injured 1,683. A collision counts as alcohol-related when the investigating officer observed an operator drinking.

The intoxicated driver is primarily liable for injuries to other people under KRS 413.241. A bar, restaurant, or store holding a Kentucky alcohol permit is not liable for injuries off its premises caused by a customer of legal drinking age unless a reasonable person should have known the customer was already intoxicated when served. Those two rules govern a drunk driving accident case against the driver and a dram shop liability case against the seller.

Statewide Representation

Every client gets a dedicated three-person team: a top-rated attorney, an experienced case manager, and a skilled legal assistant. Sam Aguiar Injury Lawyers has DOT and TRIMARC camera access with six-month archives, and most cases qualify in under 10 minutes.

The firm is Forbes Best-In-State, 1 of 2 in Kentucky and 16 nationwide, and Sam Aguiar meets clients at the end of each case to confirm they are satisfied. Accidents are life-changing, and who you hire is one of the most important decisions you can make.

Key Takeaways

Federal rules require for-hire trucks rated at 10,001 pounds or more that haul nonhazardous property across state lines to carry at least $750,000 in liability coverage.

A motorcycle operator or passenger gets Kentucky no-fault benefits only if that coverage was bought as an option.

Motorcycles were less than 1% of the vehicles in Kentucky collisions in 2024 but 9% of the vehicles in fatal collisions.

Injured Anywhere in Kentucky?

Truck, rideshare, motorcycle, and pedestrian cases each draw on a different set of policies, and some of that coverage can come from your own policy. Sam Aguiar Injury Lawyers finds the coverage that applies to your accident and builds the evidence to collect it. With our Bigger Share Guarantee®, you always get more. Call today for a free case review.

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Frequently Asked Questions

1Does Sam Aguiar Injury Lawyers Take Accident Cases Outside Louisville and Lexington?+

Yes. Sam Aguiar Injury Lawyers takes motor vehicle accident cases statewide from its offices in Louisville and Lexington, and the firm is available 24/7.

2How Does a Kentucky Accident Lawyer Get Paid?+

Sam Aguiar Injury Lawyers works for a flat contingency fee, with no upfront costs, no retainers, and no fee unless the firm wins the case. The fee never increases if the case goes to trial, and clients pay $0 out-of-pocket forever. Under the Bigger Share Guarantee®, the fee is applied to the net recovery after medical bills, liens, and case expenses are paid.

3How Many Accidents Happen in Kentucky Each Year?+

Kentucky had 139,663 reported collisions in 2024, including 117,661 on public roads. Deaths on public roads fell to 707 in 2024 from 814 in 2023.

4Are Kentucky Accident Reports Public Record?+

No. Kentucky police accident reports are confidential and exempt from open-records requests under KRS 189.635. The reports are available to the parties to the accident, the parents or guardians of a minor party, the parties’ insurers and attorneys, and a party to a filed lawsuit who sends a clerk-stamped copy of the complaint. Listed agencies can also get them, and news organizations may obtain them for news reporting. A Kentucky police report is a set of linked sections that have to be read together: collision details, unit pages, the diagram, the officer narrative, and coded fields.