Kentucky
Kentucky Car Accident Laws: Fault, Insurance, and Your Claim
Independently fact-checked against primary sources (last audited August 18, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 18, 2026. · 4 primary sources cited on this page. How we verify our legal content
Kentucky is a choice no-fault state under the Motor Vehicle Reparations Act (KRS 304.39), meaning PIP (no-fault) coverage applies by default to all drivers, but you can reject it in writing to keep full tort rights. Drivers who remain in the no-fault system follow pure comparative negligence, so fault reduction never bars recovery.
Is Kentucky a no-fault or at-fault state?
Kentucky is one of only three choice no-fault states in the country, alongside New Jersey and Pennsylvania. Under the Motor Vehicle Reparations Act (MVRA, KRS 304.39), every driver is automatically covered by the no-fault system (PIP/Basic Reparation Benefits) unless they formally opt out. To reject no-fault, a driver must file a written rejection form with the Kentucky Department of Insurance under KRS 304.39-060.
A driver who stays in the no-fault system receives Basic Reparation Benefits (PIP) up to $10,000 that pay for medical bills, lost wages, and out-of-pocket losses regardless of who caused the crash. In exchange, that driver's right to sue for pain and suffering is limited unless they cross a threshold. A driver who rejects no-fault keeps full tort rights to sue the at-fault driver but forfeits their own PIP benefits. Understanding which system applies to you, and to the other driver, is the first question in any Kentucky accident claim.
How fault is shared: Kentucky's negligence rule
Kentucky follows pure comparative negligence, established under and the landmark decision in Hilen v. Hays. Under pure comparative fault, your total damages are reduced by the percentage of the accident you caused. If a jury awards you $100,000 and finds you 30% at fault, you receive $70,000.
The key advantage of pure comparative fault is that partial fault never eliminates your claim entirely. Even if you are found 90% responsible for the crash, you can still recover the remaining 10% of your damages from the other party. This stands in sharp contrast to modified comparative fault states (which cut off recovery at 50% or 51%) and the very small number of pure contributory negligence states where any fault at all bars recovery. In Kentucky, being partly to blame reduces what you recover, but it does not end your case.
Minimum car insurance in Kentucky
Kentucky law requires all drivers to carry minimum liability coverage of 25/50/25 under KRS 304.39-110: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. The property-damage minimum was raised from $10,000 to $25,000 effective July 14, 2022. A Combined Single Limit (CSL) of at least $60,000 is accepted as an alternative, but any policy must also include Basic Reparation Benefits (PIP) unless the vehicle is a motorcycle (on which PIP is optional).
Uninsured motorist (UM) coverage must be included in every Kentucky policy at a minimum of 25/50 unless the policyholder rejects it in writing (). Rejection must be affirmative and documented. Underinsured motorist (UIM) coverage must be made available by every insurer, but it is provided only upon request under KRS 304.39-320. Neither UM nor UIM is mandatory to carry, but the insurer is required to offer UM, and rejecting it without knowing the consequences is a common mistake. Carrying only the state minimums often leaves a real gap between what the at-fault driver's policy pays and your actual losses.
How long you have to file: the statute of limitations
This is one of the most misunderstood deadlines in Kentucky car accident law. Kentucky's general personal-injury statute of limitations is 1 year under , which leads many people to assume they have only one year after a crash. That is wrong for car accident claims.
Under KRS 304.39-230(6), a tort claim that is not abolished by the MVRA's no-fault rules can be filed up to two years after the date of injury or death, or two years after the last Basic Reparation Benefits (PIP) payment, whichever is later. Because insurers often continue making PIP payments for months after a crash, each payment resets the clock. The effective deadline for a Kentucky car-accident pain-and-suffering lawsuit is therefore 2 years, and can extend further depending on when PIP payments stop.
The 2-year MVRA deadline applies to bodily injury claims. Property-damage claims follow a different timeline. Government entities (city, county, state) have additional administrative notice requirements. If your claim involves any of these factors, consult a Kentucky attorney well before the 2-year mark. Do not rely on the general 1-year rule for a car accident case.
For more about Kentucky's injury deadlines, see the Kentucky statute of limitations page.
What a Kentucky car accident claim is worth
The value of a Kentucky car accident claim depends on the type of damages involved and how the no-fault and tort rules interact. Economic damages include verifiable losses: medical bills, future medical care, lost wages, and out-of-pocket expenses. Non-economic damages cover pain and suffering, emotional distress, and permanent impairment. In Kentucky, you can only recover non-economic damages if you step outside the no-fault system by meeting the $1,000 medical-expense threshold or qualifying serious-injury prong.
Once you are in the tort system, your recovery is reduced by your comparative fault percentage. A $200,000 case where you are found 25% at fault nets $150,000. Practically speaking, most settlements are also constrained by the at-fault driver's insurance limits: even a strong case is often limited to the defendant's policy limits unless the driver is personally wealthy or your own UIM coverage applies. Higher liability limits, UIM coverage, and documented serious injuries are the factors that most reliably increase settlement values.
Use the Kentucky car accident settlement calculator to get a rough estimate based on your specific facts.
What to do after a car accident in Kentucky
The steps you take immediately after a Kentucky crash can directly affect the value and success of your claim:
Stop and ensure safety. Move vehicles out of traffic if it is safe to do so, check for injuries, and call 911 for any crash involving injury, death, or significant property damage. Kentucky requires reporting crashes resulting in injury or death.
Document the scene. Photograph vehicle damage, skid marks, road conditions, traffic signals, and visible injuries before vehicles are moved. Collect the other driver's name, address, insurance information, license plate, and driver's license number. Get contact information from witnesses.
Seek medical attention promptly. Even if you feel fine, some injuries (like whiplash or a concussion) are not immediately apparent. A delay in treatment is one of the first things an insurer will use to argue your injuries were not caused by the crash. Prompt medical records also help you reach the $1,000 PIP threshold needed to access tort recovery for pain and suffering.
Report to your insurer. Your PIP insurer pays first under the no-fault system regardless of fault. Notify your insurer promptly. Be factual; do not speculate about fault on the call.
Do not accept a quick settlement. Insurers routinely offer fast, low settlements before the full extent of injuries is known. Once you sign a release, you cannot reopen the claim. Consult a Kentucky personal injury attorney before accepting any offer, especially if you have injuries that may require future care or that affect your ability to work.
This article is general legal information, not legal advice. Car accident law varies by state and changes, and settlement values depend on the specific facts. For advice about a specific crash, consult a licensed attorney in Kentucky.
Related pages:
- Kentucky Hit-and-Run Laws
- Car Accident Laws by State (hub)
- Kentucky Car Accident Settlement Calculator
- Kentucky Statute of Limitations
More Kentucky Laws
Frequently Asked Questions
Is Kentucky a no-fault state?
Yes, by default. Kentucky operates under a choice no-fault system. Every driver is automatically covered by no-fault PIP (Basic Reparation Benefits) under the Motor Vehicle Reparations Act unless they file a written rejection with the Kentucky Department of Insurance. Under the default no-fault rules, your own PIP insurer pays up to $10,000 for medical bills and lost wages regardless of fault, but you can only sue for pain and suffering if you meet the $1,000 medical-expense threshold or a qualifying serious injury.
Is Kentucky an at-fault state?
It can be. Kentucky is a choice no-fault state, which means a driver who formally rejects the no-fault system in writing retains full tort rights and can sue the at-fault driver directly for all damages, including pain and suffering, without needing to meet a threshold. Drivers who reject no-fault give up their own PIP benefits in exchange. If you are not sure whether you or the other driver filed a rejection, check the declarations page of your auto policy.
What is the statute of limitations for a car accident in Kentucky?
For motor-vehicle injury claims under the Motor Vehicle Reparations Act, the deadline is 2 years from the date of injury or from the last PIP payment, whichever is later (KRS 304.39-230(6)). This is different from Kentucky's general personal-injury statute of limitations of 1 year (KRS 413.140). Do not assume you have only 1 year for a car accident case, but do not wait, because the deadline depends on facts specific to your claim.
Can I still recover damages if I was partly at fault in Kentucky?
Yes. Kentucky follows pure comparative negligence (KRS 411.182, Hilen v. Hays). Your damages are reduced by your percentage of fault, but you can recover something even if you were more than 50% responsible. For example, if you are 60% at fault and your damages are $50,000, you can still recover $20,000. There is no cutoff percentage that bars your claim entirely.
What are the minimum insurance requirements in Kentucky?
Kentucky drivers must carry at least 25/50/25: $25,000 per-person bodily injury, $50,000 per-accident bodily injury, and $25,000 property damage (KRS 304.39-110). A Combined Single Limit of $60,000 is an accepted alternative. All policies must also include $10,000 in PIP (Basic Reparation Benefits) unless the vehicle is a motorcycle. Uninsured motorist coverage at 25/50 must be included in every policy unless rejected in writing.
How much is a Kentucky car accident claim worth?
It depends on your damages and whether you can step outside the no-fault system. If your medical expenses exceed $1,000 or you have a qualifying serious injury, you can claim pain and suffering plus all economic losses. Your recovery is then reduced by your comparative fault percentage. Most real-world settlements are also constrained by the at-fault driver's liability limits. Serious, documented injuries with clear liability and adequate insurance coverage produce the highest values. Use the Kentucky car accident settlement calculator for a rough estimate.
What is PIP coverage and do I need it in Kentucky?
PIP stands for Personal Injury Protection, called Basic Reparation Benefits in Kentucky. It pays up to $10,000 for your medical bills, lost wages, and out-of-pocket losses from a crash regardless of who was at fault. PIP is mandatory on all motor vehicles in Kentucky except motorcycles (where it is optional). You cannot opt out of PIP unless you also reject the no-fault system entirely. If you stay in the no-fault system, your PIP insurer is the first payer for your injury-related expenses.
Injured in Kentucky? Get a free case review from a personal-injury attorney
If someone else's negligence caused your injury, you may be owed compensation for medical bills, lost wages, and pain and suffering. Get a free, no-obligation review from a Kentucky personal-injury attorney. Most work on contingency, so there is no upfront cost.
Updates
Independently fact-checked against the cited primary sources; governing law re-checked for recent changes
Independently fact-checked against the cited primary sources
Governing law re-checked for recent changes
Reviewed and approved by an editor
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Kentucky Revised Statutes, Chapter 304: INSURANCE CODE
§ 304.20-020Uninsured vehicle coverage -- Insolvency of insurerIn force
(1) No automobile liability or motor vehicle liability policy of insurance insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto, in limits for bodily injury or death set forth in KRS 304.39-110 under provisions approved by the commissioner, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom; provided that any named insured shall have the right to reject in writing such coverage; and provided further that the rejection shall be valid for all insureds under the policy, and unless a named insured requests such coverage in writing, such coverage need not be provided in or supplemental to a renewal, reinstatement, substitute, replacement, or amended policy issued to the same named insured by…
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at apps.legislature.ky.gov
Cited in 78 court opinionsMost recently applied by a court: 2024
Leading cases:
- Ohio Casualty Insurance Co. v. Stanfield (Kentucky Supreme Court 1979, 581 S.W.2d 555)“…5 S.W.2d 169 (1974), and Siddons ' construction of KRS 304.20-020 was followed in Zurich Insurance Co. v…”
- Kentucky Farm Bureau Mutual Insurance Co. v. McKinney (Kentucky Supreme Court 1992, 831 S.W.2d 164)“…is uninsured motorist coverage results from the language of KRS 304.20-020 which mandates that such insurance be p…”
- Wine v. Globe American Casualty Co. (Kentucky Supreme Court 1996, 917 S.W.2d 558)“…tor vehicle liability policy” unless specifically rejected. KRS 304.20-020(1). This legislation was adopted to pro…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Kentucky Revised Statutes, Chapter 411: RIGHTS OF ACTION AND SURVIVAL OF ACTIONS
§ 411.182Allocation of fault in tort actions -- Award of damages -- Effect of releaseIn forcecited in 6 of our articles
(1) In all tort actions, including products liability actions, involving fault of more than one (1) party to the action, including third-party defendants and persons who have been released under subsection (4) of this section, the court, unless otherwise agreed by all parties, shall instruct the jury to answer interrogatories or, if there is no jury, shall make findings indicating: (a) The amount of damages each claimant would be entitled to recover if contributory fault is disregarded; and (b) The percentage of the total fault of all the parties to each claim that is allocated to each claimant, defendant, third-party defendant, and person who has been released from liability under subsection (4) of this section. (2) In determining the percentages of fault, the trier of fact shall consider both the nature of the conduct of each party at fault and the extent of the causal relation between the conduct and the damages claimed.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at apps.legislature.ky.gov
Cited in 141 court opinionsMost recently applied by a court: 2026
Leading cases:
- Hargis v. Baize (Kentucky Supreme Court 2005, 168 S.W.3d 36)“…be instructed only on Hargis's contributory fault, if any, KRS 411.182, and damages. Baize also moved for summ…”
- Lexington-Fayette Urban County Government v. Smolcic (Kentucky Supreme Court 2004, 142 S.W.3d 128)“…t to remain in the suit for purposes of apportionment under KRS 411.182. The trial court also dismissed the cla…”
- Abney v. Nationwide Mutual Insurance Co. (Kentucky Supreme Court 2007, 215 S.W.3d 699)“…sue of first impression in Kentucky: since the enactment of KRS 411.182, does a release negotiated with one joi…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Kentucky Dog Bite Laws: Liability and Victim Rights, Motorcycle Accident Laws in Kentucky (2026): Deadlines & Helmets, Kentucky Slip and Fall Laws: Proving Premises Liability
Kentucky Revised Statutes, Chapter 413: LIMITATION OF ACTIONS
§ 413.140Actions to be brought within one yearIn forcecited in 13 of our articles
(1) The following actions shall be commenced within one (1) year after the cause of action accrued: (a) An action for an injury to the person of the plaintiff, or of her husband, his wife, child, ward, apprentice, or servant; (b) An action for injuries to persons, cattle, or other livestock by railroads or other corporations, with the exception of hospitals licensed pursuant to KRS Chapter 216; (c) An action for malicious prosecution, conspiracy, arrest, seduction, criminal conversation, or breach of promise of marriage; (d) An action for libel or slander; (e) An action against a physician, surgeon, dentist, or hospital licensed pursuant to KRS Chapter 216, for negligence or malpractice; (f) A civil action, arising out of any act or omission in rendering, or failing to render, professional services for others, whether brought in tort or contract, against a real property appraiser holding a certificate or license issued under KRS Chapter 324A or a real estate broker or sales associate holding a license issued under KRS Chapter 324; (g) An action for the escape of a prisoner, arrested or imprisoned on civil process; (h) An action for the recovery of usury paid for the loan…
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at apps.legislature.ky.gov
Cited in 648 court opinionsMost recently applied by a court: 2026
Leading cases:
- Craft v. Rice (Kentucky Supreme Court 1984, 671 S.W.2d 247)“…applies to this situation rather than the one-year limit of KRS 413.140(1)(a) for injury "to the person of the…”
- Rigazio v. Archdiocese of Louisville (Court of Appeals of Kentucky 1993, 853 S.W.2d 295)“…it was time barred under the one-year limitation period of KRS 413.140(l)(a). On December 5, 1990, following a…”
- Emberton v. GMRI, Inc. (Kentucky Supreme Court 2009, 299 S.W.3d 565)“…uit within the one-year statute of limitations, pursuant to KRS 413.140(l)(a). 7 In response, Embe…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Kentucky Hit and Run Laws: Penalties and What to Do, Kentucky Dashcam Laws: Legality, Mounting Rules, and Evidence Use, Kentucky Medical Recording Laws: Patient Rights and Healthcare Privacy
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Sources and References
- KRS 304.39 (Motor Vehicle Reparations Act) — KRS 304.39-060, 304.39-020, 304.39-110, 304.39-230(6)(apps.legislature.ky.gov).gov
- KRS 304.20-020 (UM coverage requirement)(apps.legislature.ky.gov).gov
- KRS 411.182 (pure comparative fault)(apps.legislature.ky.gov).gov
- KRS 413.140 (general 1-year personal injury SOL)(apps.legislature.ky.gov).gov