Personal Injury Protection

States treat car accidents in typically one of two ways, “at-fault” and “no-fault.” Kentucky is a “no-fault” state, which means that an insured motorist carries with them a certain amount of insurance that pays for part of their injuries from an accident. PIP, also known as “personal injury protection” or “basic reparation benefits,” covers insured motorists and members of their household. PIP coverage can pay for bodily injuries, lost wages, and the expenses associated with death. PIP covers up to $10,000.00 and can apply to everyone in a vehicle. So, for example, a family of four, on the same insurance plan, will each have $10,000.00 in PIP benefits. PIP also applies to motorcycles but not to mopeds.

PIP coverage is standard in every Kentucky automobile insurance policy. One can sign a waiver and waive PIP coverage, but one is strongly advised against doing so. The small fraction of savings in monthly premiums is not worth the possible loss should one be involved in an accident and it be their fault. One area of loss common to an accident not covered by PIP is property damage.


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