Is personal injury protection required in Kentucky?

Kentucky requires basic PIP coverage on all motor vehicles except motorcycles. Basic PIP is to be paid by the insurer of the vehicle in which the injured person is riding at the time of an accident, or the vehicle which strikes a pedestrian, regardless of who was at fault in the accident.

How does PIP work in Kentucky?

Personal injury protection insurance in Kentucky provides coverage if you’re involved in a motor vehicle accident. Since Kentucky is a no-fault state, PIP pays for medical expenses, lost wages and other costs related to your injuries, no matter which party was at fault for the accident.

Is PIP Subrogatable in Kentucky?

PIP: Yes. If injury is caused by “unsecured person”, injured party’s “reparation obligor” (subrogated carrier) can subrogate (obtain Basic Reparation Benefits [“BRB”] reimbursement directly from the unsecured person).

How does PIP insurance work?

PIP is designed to cover medical expenses of the party involved in a vehicle accident. It works-on the basis that this policy will pay for medical costs incurred by the policyholder. Unlike the vehicle insurance for costs of car damage, a PIP policy doesn’t pay costs of anyone else other than the policy-holder.

What does Ky no-fault insurance mean?

The answer is yes, Kentucky is a no-fault state, meaning that Kentucky’s auto insurance laws require owners of cars and trucks registered in the Commonwealth to have Personal Injury Protection (PIP) auto coverage, which is commonly known as no-fault insurance.

What are PIP funds?

PIP insurance is a particular type of car insurance that helps drivers cover the medical bills for themselves and their passengers in the event of a car accident — regardless of who caused it. Also known as no-fault car insurance, some states require this form of coverage while others keep it optional.

How does Ky no-fault insurance work?

With no-fault car insurance, your own insurance policy covers your medical bills and other economic losses after a car accident, regardless of who caused the accident. You can opt out of the no-fault system in Kentucky, preserving your right to sue an at-fault driver after a car accident.

What is the statute of limitations for personal injury in Kentucky?

one year
The general statute of limitations, or time limit for bringing a legal action for personal injury is one year in Kentucky. Whether your case is one of negligence, strict liability or intentional harm, this deadline is the same.

Can you sue for pain and suffering in Kentucky?

Kentucky allows compensation for pain and suffering that result from personal injuries. This means that in medical malpractice, car accident, or defective product cases, you can claim damages for pain and suffering or other non-economic injuries.

What is personal protection insurance?

Personal injury protection, also known as PIP coverage or no-fault insurance, covers medical expenses regardless of who’s at fault. It can often include lost wages, too. Depending on the state where you live, PIP may be an available insurance coverage or a required policy add-on.

Is PIP the same as bodily injury?

Typically, it boils down to this: bodily liability insurance covers the damages of the other party if you were the cause of their accident. PIP is for covering your own injuries and losses after an accident.

Is Kentucky a no-fault state for accidents?

Kentucky is a “choice no-fault” state, meaning that vehicle owners can “opt out” of the no-fault car insurance system and choose to sue (and potentially be sued) after a car accident.