How Does Kentucky's No-Fault Insurance Work?

It goes under many names. It is sometimes called no-fault insurance, or personal injury protection. Sometimes it goes under the acronym PIP, short for Personal Injury Protection. Whatever it is called, these benefits can play a major role after a motor vehicle accident. Under Kentucky law, auto insurance companies are required to offer PIP coverage. In Kentucky, if a driver has PIP coverage, the first $10,000 of medical expenses or lost wages are covered under this coverage, regardless of who is at fault for the accident.

In Kentucky, PIP applies to every accident except for the following:

Why Do We Have No-Fault Insurance Coverage?

The idea behind no-fault insurance is that people will not have to bring a lawsuit after a minor car accident. In fact, under Kentucky law, an individual cannot file a personal injury claim against a negligent driver unless any of the following have occurred:

  • Medical expenses of $1,000 or more
  • A permanent physical injury
  • A broken bone
  • Disfigurement
  • Death

Of course, considering how expensive medical costs are these days, many accidents will cross this threshold. Regardless, there are accidents in which an injured person will have to rely solely on their PIP coverage. Even though it is supposed to be easy to make a no-fault insurance claim, insurance companies will sometimes still dispute the claim.

The fact is, if you have been in an accident where you have sustained any injuries, it is important to discuss your situation with a lawyer. We are the attorneys of Robinson Salyers, PLLC. We can help you understand your no-fault insurance. More than this, we can bring a claim against the driver who caused your accident and anyone else responsible when appropriate. Every step we take in your case will be aimed at maximizing your compensation and helping you move past this event to a brighter future.

We Are Ready To Help You After An Accident

Call 502-257-5417 or complete our online contact form to set up a free initial consultation. With offices in Shelbyville and Frankfort, we serve people across the area. We take all accident cases on a no-recovery, no-fee basis.