Navigation Is Kentucky a No-Fault State for Car Accidents?
When you’re injured in a car accident, one of the first questions that comes up is how your medical bills and other expenses will be covered. States differ in their approach, with some following “at-fault” rules and others following “no-fault.” Kentucky is unique because it uses a choice no-fault system, meaning drivers can decide which system applies to their insurance coverage.
Is Kentucky a No-Fault State?
Yes, but probably not in the way you think. When it comes to car wrecks, people can be found at fault. So why do people say Kentucky is a No-Fault state? That’s because Kentucky law requires insurance companies to provide No-Fault insurance benefits as part of their car insurance policies. While drivers can reject these no-fault benefits, most do not. They’re called No-Fault because these benefits are available to anyone injured in a wreck, regardless of fault. Even if you don’t own a car and are injured, you may be entitled to these No-Fault benefits. You may have heard of these No-Fault benefits as Basic Reparations Benefits, or more commonly, Personal Injury Protection (PIP).
