A bus crash can be a terrifying and life-altering event, whether you're a passenger, another driver on the road, or a pedestrian. In Kentucky, these accidents usually result in serious injuries due to the massive weight and size of buses compared to smaller vehicles. Knowing what to do immediately after a bus crash is important for protecting your health, legal rights, and potential compensation claims.

This article outlines the first steps to take following a bus accident in Kentucky, from seeking medical attention to navigating the detailed legal process.

1. Prioritize Medical Attention

The first and most urgent step after a bus crash is to assess injuries. Even if you feel ok, adrenaline can cover up symptoms of severe conditions such as internal bleeding, traumatic brain injuries, or spinal cord damage. Seek medical attention immediately, either at the scene or by visiting a doctor as soon as possible.

Failing to get prompt medical care can not only worsen your condition but may also impact your option to move forward with a personal injury claim. Insurance companies can argue that a delay in treatment suggests that injuries were not serious or were unrelated to the accident.

2. Report the Accident

In Kentucky, bus accidents must be reported to law enforcement if they involve injuries, fatalities, or significant property damage. If emergency responders arrive at the scene, they will typically file a police report, which will be a critical piece of evidence in any legal proceedings.

If the police do not respond, make sure to report the accident yourself to the Kentucky State Police or the local sheriff’s department. Get a copy of the accident report, as it will contain valuable details such as witness statements, officer observations, and preliminary fault determinations.

3. Gather Evidence at the Scene

If you are physically able to, collect evidence at the accident scene can strengthen your case. Key pieces of evidence include:

• Photographs and Videos – Capture images of vehicle damage, road conditions, traffic signs, weather, and any visible injuries.
• Witness Contact Information – Get names, phone numbers, and statements from anyone who saw the accident. Witnesses can provide unbiased accounts that may support your claim.
• Bus Driver and Company Details – Record the bus number, driver’s name, and the company operating the bus. If the bus is part of a public transit system or school district, this information will be relevant for determining liability.

4. Identify Potentially Liable Parties

Bus accidents often involve multiple parties, making liability more complex than in a typical car crash. Potentially responsible parties include:

• The Bus Driver – If the driver was going over the speed limit, distracted, fatigued, or otherwise negligent, they could be held liable.
• The Bus Company – Private bus companies must properly train drivers, maintain vehicles, and follow safety regulations. If they fail in these duties, they can be responsible for the accident.
• Government Entities – If a city or county-run bus is involved, claims may need to follow special procedures under Kentucky’s sovereign immunity laws.
• Other Drivers – If another motorist caused the crash by running a red light or making an unsafe lane change, they could bear some or all of the liability.
• Bus or Parts Manufacturers – Defective brakes, tires, or other mechanical failures can point to a manufacturing defect, shifting liability to a bus manufacturer or parts supplier.

5. Notify Your Insurance Company

If you were injured as a passenger, pedestrian, or driver in another vehicle, notify your insurance provider about the crash as soon as possible. Kentucky is a choice no-fault state, which means that if you own a vehicle, your Personal Injury Protection (PIP) coverage may cover some medical expenses regardless of who was at fault.

However, if injuries exceed Kentucky’s PIP threshold—$1,000 in medical expenses, a broken bone, permanent injury, or death—you may be able to file a claim against the responsible party.

6. Consult an Experienced Attorney

Bus accident claims are more complex than standard car accident cases due to the number of potential defendants and the regulations governing commercial or public transportation. A Kentucky personal injury lawyer can help:

• Determine liability and identify sources of compensation available
• Handle negotiations with insurance companies
• File claims against government entities when necessary
• Ensure that you meet Kentucky’s one-year statute of limitations for personal injury lawsuits, or two years if the claim involves an auto insurance policy

7. Keep Records of Expenses and Losses

A successful injury claim depends on strong documentation of your damages. Keep detailed records of:

• Medical Bills and Treatment Costs – Including hospital visits, physical therapy, prescriptions, and any necessary surgeries.
• Lost Wages – If you miss work due to injuries, track your lost income and any reduced earning capacity.
• Property Damage – If your vehicle or other personal property was damaged, retain repair estimates or replacement costs.
• Pain and Suffering – Keep a journal detailing your physical pain, emotional distress, and any negative impacts on daily life.

8. Be Cautious with Insurance Adjusters

Insurance companies—whether representing the bus operator, another driver, or even your own provider—are primarily focused on lowering payouts. After a bus crash, expect adjusters to contact you for statements or settlement offers.

• Do not admit fault or speculate about injuries during recorded conversations.
• Avoid quick settlement offers, as they may not fully account for future medical expenses or long-term suffering.
• Let an attorney handle negotiations to maximize your compensation.

Conclusion

A bus accident in Kentucky can leave victims facing medical bills, lost income, and long-term suffering. Taking immediate steps—such as seeking medical care, documenting evidence, and consulting an attorney—can significantly impact your ability to recover compensation. Given the complexity of bus accident claims, working with a legal professional ensures that your rights are protected and that you receive fair compensation for your injuries and losses.

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Kentucky Bus Accident Claims can be challenging. Fortunately, you don't need to do it alone. The experienced lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.