Is personal injury protection required in Kentucky? This question is about Personal Injury Protection (PIP)

Is personal injury protection required in Kentucky?

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This question is about Personal Injury Protection (PIP)

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@WalletHub • 04/19/21 This answer was first published on 04/02/20 and it was last updated on 04/19/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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

Answer Question

Do I need personal injury protection insurance?

You need personal injury protection (PIP) insurance if you live in one of the 12 states that require it. You should also get PIP if your health insurance has low coverage limits or if you drive with passengers who could hold you responsible for their medical expenses in the event of an accident.

In the 20 states (plus Washington, D.C.) where it is required or offered as optional protection, PIP covers medical expenses for the policyholder and his...

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Is Kentucky a no-fault state?

Yes, Kentucky is a no-fault state. Kentucky uses a “choice” no-fault insurance system, meaning you are allowed to opt out of the no-fault rules, which require Kentucky drivers to purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident regardless of who was at fault. Additionally, no-fault laws in Kentucky place limitations on a driver’s right to sue after an accident. Drivers in Kentucky who do not opt out can only sue...

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Do I need rental car insurance in Alabama?

No, you do not need rental car insurance in Alabama. Rental car companies in Alabama provide the minimum state-required liability insurance coverage, more specifically, they provide $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability coverage per accident.

If you have an existing personal car insurance policy that includes other types of coverage, like collision or comprehensive, or liability limits that are higher than what your...

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