Kentucky car accident injuries are covered by the driver’s car insurance. Kentucky is a “choice no-fault” state, meaning the driver’s own insurance policy will cover the medical bills and estimated losses following a car accident injury, regardless of who caused the accident. The personal injury protection policy (PIP) is required for paying up to $10,000 in a car accident resulting in:
Medical bills from car accident injury
Lost wages
Additional damages
Drivers can choose to “opt out” and sue the driver who they believed was at-fault for the wreck by filing a special Kentucky No-Fault Rejection Form. Additionally, a car accident personal injury claim is exempt from the no-fault rules when it exceeds the following thresholds:
$1,000 in medical expenses
Broken bone(s)
Permanent injury or disfigurement
Death