Is Kentucky a no-fault state?
Yes, by default. Kentucky is a choice no-fault state: your PIP pays your own medical bills and lost wages, and suits are limited unless you file a form rejecting no-fault.
Last checked November 9, 2026 · Official sources (6)
How does Kentucky car insurance work?
“You have the option of rejecting basic PIP coverage for yourself, thereby rejecting these limitations. The rejection must be in writing on a special form and filed with the Department of Insurance.”
Kentucky Department of Insurance
What is Kentucky's minimum car insurance?
| Coverage | What Kentucky requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | Basic PIP is required on all vehicles except motorcycles. It pays up to $10,000 for medical bills, lost wages up to $200 a week, and more. |
| Uninsured motorist | Uninsured motorist coverage is added to your policy automatically unless you officially reject it. |
When can you sue in Kentucky?
An injury claim or lawsuit can't be brought unless medical expenses top $1,000, or there is a broken bone, permanent injury, or death.
Other choice no-fault states
Questions
How much insurance does Kentucky require?
At least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage, or a $60,000 single limit.
What if you were partly at fault in Kentucky?
Fault is split by percentage, and your award follows those percentages, so being partly at fault reduces what you get.
When can you sue after a crash in Kentucky?
You can bring an injury claim against the other driver only if medical expenses go over $1,000, or there is a broken bone, permanent injury, or death, unless you rejected no-fault in writing.
Hurt in a crash in Kentucky? Find out if you are owed money.
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See if I’m owed moneySources (6)
- Kentucky Department of Insurance, checked 2026-11-09. “You have the option of rejecting basic PIP coverage for yourself, thereby rejecting these limitations. The rejection must be in writing on a special form and filed with the Department of Insurance.”
- Kentucky Department of Insurance, checked 2026-11-09. “Kentucky law requires that you must carry at least "25/50/25" liability insurance to protect others - that is $25,000 for each person injured, $50,000 total limit for the injuries in each accident, and $25,000 property damage or a single-limit policy of $60,000.”
- Kentucky Department of Insurance, checked 2026-11-09. “Insurance on all motor vehicles, except motorcycles, must include basic PIP coverage. Basic PIP benefits pay up to $10,000 for medical expenses, lost wages up to $200 per week”
- Kentucky Department of Insurance, checked 2026-11-09. “If you do not officially reject this coverage, it will be automatically included in your policy.”
- Kentucky General Assembly (Kentucky Revised Statutes), checked 2026-11-09. “and shall determine and state in the judgment each party's equitable share of the obligation to each claimant in accordance with the respective percentages of fault.”
- Kentucky Department of Insurance, checked 2026-11-09. “an injury claim or lawsuit for damages, including pain and suffering, cannot be brought by you or against you unless the injured person has incurred medical expenses greater than $1,000, a broken bone, permanent injury or death.”