Does the insurance company of the vehicle that totaled my car have to pay for anything because I am out a huge amount of money, and my neck hurts?
Question Details: Was hit in traffic by a person in a work vehicle trying to beat a light, I didn't have insurance at the time, but the person totaled my car, racked up wrecker service bills on me for no reason (I was told by the insurance company that they would pay for the damage done to my vehicle, and now they are refusing to), and also I have pain on the left side of my neck, and I don't really know whether to sue or not because I didn't have insurance.
Under Kentucky's no-fault law, you are responsible for the first $10,000 in medical expenses and lost wages you might sustain due to your bodily injuries, whether you have car insurance or not. (Although, if you have medical insurance, the medical bills can be submitted to your health insurance carrier and would have to be paid). The fact that you did not have car insurance does not mean you cannot pursue claims for injuries against the other driver, but you will essentially have to eat the first $10,000 of your losses for medical expenses and wage loss. This does not apply to the claims for damage to your car.
