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Yes, Kentucky is a “choice no-fault” state, which means that, by default, drivers in Kentucky are required to carry PIP coverage on their auto policy and file accident claims through their own insurance first, but the Commonwealth does allow drivers to opt out of the no-fault system by request.
- Laws on car Accidents
Kentucky is one of 12 states that has “no-fault” car...
- Laws on car Accidents
20 Ιαν 2022 · 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.
30 Απρ 2024 · As of 2024, Kentucky is a "choice no-fault" state. By default, drivers are covered by Personal Injury Protection insurance (PIP), which covers medical expenses, lost wages, and other costs related to injuries following an auto accident, regardless of who is at fault.
17 Φεβ 2023 · Kentucky is a “choice” no fault insurance state—one of just three in the country, along with New Jersey and Pennsylvania. Under Kentucky law, every driver by default must be offered a no-fault insurance policy with personal injury protection coverage as primary.
Enacted in 1975, Kentucky's Motor Vehicle Reparations Act, KRS 304.39 (sometimes referred to as the No-Fault Law) has two components: personal injury protection (PIP) coverage and limitations on an individual’s right to sue and be sued (tort rights).
However, Kentucky is not one of those states – instead of operating on the traditional fault-based system; Kentucky’s car insurance laws follow a choice no-fault rule. Kentucky’s no-fault car insurance system runs in a slightly different way than traditional no-fault insurance states.
Kentucky is a “choice no-fault” state which means that drivers can optionally choose to reject PIP coverage. The driver must file a Kentucky No-Fault Rejection Form with the Kentucky’s Department of Insurance office if they choose to decline PIP coverage and compensation.
