PIP Benefits in Kentucky: Schedule Your Free Consultation

How Personal Injury Protection (PIP) Benefits Work in Kentucky

How Personal Injury Protection (PIP) Benefits Work in Kentucky

What is PIP?

If you’re involved in a car accident in Kentucky, understanding your benefits under the state’s mandatory Personal Injury Protection (PIP) system is essential.

Often called “no-fault insurance,” PIP is your first line of defense after a crash. It covers immediate medical expenses, lost wages, and other related costs, regardless of who caused the accident.

As a no-fault state, Kentucky requires every auto insurance policy to include PIP coverage unless formally rejected in writing. This guide explains PIP, how it works in Kentucky, and what you need to know to file a PIP claim effectively.

Unlike bodily injury liability coverage, which pays for injuries you cause to others, PIP focuses on protecting you and anyone covered under your policy. This includes drivers, passengers, and pedestrians.

It’s designed to provide quick financial relief for minor injuries, giving you time to pursue additional legal options if your injuries are severe.


How Much Does PIP Cover in Kentucky?

Under the Kentucky Motor Vehicle Reparations Act (MVRA), standard auto insurance policies in Kentucky include $10,000 of PIP coverage per person, per accident. This amount covers:

Medical Expenses: Hospital bills, doctor visits, rehabilitation, and other necessary treatments.

Lost Wages: Up to $200 per week (or 85% of your weekly income if less than $200).

Funeral Expenses: PIP can help cover burial costs if death results from accident-related injuries.

If your expenses exceed PIP limits, you may be able to pursue additional compensation from the at-fault driver’s insurer, but only if specific conditions are met (see “Tort Limitations” below).


Who Pays PIP Benefits and How to File a PIP Claim

Filing a PIP claim depends on your situation during the accident. Here’s how it works:

Driving Your Vehicle: File under your vehicle’s insurance policy.

Driving a Non-Owned Vehicle: If the vehicle is insured, claim PIP benefits from that policy. If it lacks PIP, use your auto insurance.

As a Passenger: File through the vehicle’s policy; if it lacks PIP, turn to your policy.

Pedestrian Injuries: If struck by a vehicle, file a claim against the at-fault driver’s insurance. If the driver is uninsured, use your policy or the Kentucky Assigned Claims Plan if you lack coverage.


Tort Limitations and Exceptions to PIP Coverage

While PIP provides critical support, it has limitations:

Right to Sue: Accepting PIP benefits typically waives your right to sue the at-fault driver for personal injury unless your injuries meet certain thresholds, such as:

Medical costs exceeding $1,000

Severe injuries like broken bones, permanent disfigurement, loss of bodily function, permanent disability, or death

Limited Compensation: PIP doesn’t cover significant lost earnings, future medical expenses, pain and suffering, property damage, or out-of-pocket costs. For these, you may need to pursue a claim against the at-fault driver, provided you meet the thresholds above.

PIP also has exclusions:

Uninsured Vehicles: If you’re driving an uninsured vehicle you own, even if not at fault, you’re ineligible for PIP benefits.

Opt-Outs: If a vehicle owner rejects PIP for household members, those individuals cannot claim benefits.

Commercial or Work-Related Accidents: Injuries in commercial vehicles or work-related crashes may not be covered unless additional coverage is purchased.


The Cost of Kentucky PIP Insurance

PIP is bundled into your auto insurance premium. Here’s what to expect for the minimum required coverage:

Annual Cost for PIP: Typically, several hundred dollars per year.

Guest PIP: Even if you opt out of PIP for yourself and your family (which limits your rights), you’ll pay a guest PIP premium, usually under $100 annually.

Added PIP: Investing in extra PIP coverage may increase your premium by $100–$200 per year, but it offers valuable protection after an accident.


Deadlines for Filing a PIP Claim

Timing is critical when filing a PIP claim in Kentucky:

Injury Notification: File within two years of discovering your injuries are accident-related.

Accident Deadline: Submit your claim within four years of the accident date.

Expense Coverage: Compensation is limited to expenses incurred in the two years before filing.

Delaying can risk losing coverage for early medical bills and lost wages.


Out-of-State Accidents and PIP Benefits

If you’re a Kentucky resident involved in an out-of-state accident, your PIP coverage still applies. However, disputes with your insurer may occur, so review your policy carefully and consider legal advice if needed.


Final Thoughts

Navigating Personal Injury Protection in Kentucky can be complex, especially after a stressful car accident. Whether you’re filing a PIP claim or exploring your options under Kentucky’s no-fault system, understanding your rights is key to securing the compensation you deserve.

If you’ve been injured in a Kentucky car accident and are struggling with PIP benefits, professional legal guidance can help. Contact our experienced team at (502) 888-8888 for personalized support and a free consultation. We’ll guide you through the claims process and fight for your rights—and you don’t pay unless we recover compensation for you.

Contact Us