Kentucky Injury Law Blog

Understand the insurance rules, deadlines, and evidence that can shape what happens next.

PIP, UM/UIM, bad faith, adjusters, coverage, and claim tactics.

Insurance AI in Kentucky Car Accident Claims

Kentucky applies existing insurance law to AI-supported decisions. Read the 2024 bulletin, 2026 NAIC pilot facts, and current regulator evidence.

Updated September 18, 2026

Insurance Claims

Underinsured Motorist Claims in Kentucky

How Kentucky underinsured motorist coverage pays when the at-fault driver’s limits fall short, including the liability-limits credit and settlement notice …

Updated September 18, 2026

Insurance Claims

How Insurance Companies Investigate Car Accident Fault

How Insurance Companies Investigate Car Accident Fault Sam Aguiar Injury Lawyers • September 16, 2026 • 7 minute read On This Page 1 Documen…

Updated September 16, 2026

Insurance Claims

Is Kentucky a No-Fault State?

Rejecting PIP in Kentucky means your own insurance won’t cover medical bills or lost wages after a crash. Learn what you lose and why keeping PIP is almost…

Updated September 16, 2026

Insurance Claims

Kentucky’s Minimum Insurance Limits and Modern Crash Costs

Kentucky requires 25/50/25 liability coverage under KRS 304.39-110. The 2017 amendment raised the property damage minimum; five states have since raised thei…

Updated September 22, 2026

Insurance Claims

Do I Need Uninsured Motorist Coverage?

Kentucky requires uninsured motorist coverage at the KRS 304.39-110 limits unless a named insured rejects it in writing.

Updated September 18, 2026

Insurance Claims

Whose Insurance to Use on a Property Damage Claim

After a Kentucky car accident, should you file property damage through your insurance or the at-fault driver's? Know your options. Call (502) 888-8888.

Updated September 16, 2026

Insurance Claims

PIP Direction Options

How Kentucky drivers can direct PIP benefits in writing under KRS 304.39-241, coordinate PIP with health insurance, and protect the $10,000 basic limit.

Updated September 16, 2026

Insurance Claims

What Is Added PIP Coverage in Kentucky?

How added reparation benefits raise Kentucky’s $10,000 basic PIP limit, how they compare with health insurance, and the 2026 changes to weekly limits.

Updated September 18, 2026