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No, personal injury protection (PIP) is not required in Kentucky, because drivers who opt-out of the state’s no-fault system do not need to purchase it. However, Kentucky drivers who agree to the no-fault system need at least $10,000 of PIP coverage for medical expenses, lost wages and certain related costs.
Drivers who agree to Kentucky’s no-fault system are required to have PIP because they are restricted in terms of when they can sue another driver for compensation after an accident. That means PIP coverage is their first line of defense if they face hospital bills or a long recovery from an injury. On the other hand, Kentucky drivers who opt-out of the no-fault system can reject PIP insurance and maintain their right to sue or be sued.
PIP Insurance in Kentucky at a Glance
|PIP required?||PIP is required for drivers who accept no-fault insurance|
|Minimum PIP coverage||At least $10,000 of PIP coverage for drivers who accept no-fault insurance|
|Annual cost of insurance||$931|
|State accident laws||Choice no-fault|
|National cost ranking (1=cheapest)||11|
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