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Understanding Kentucky’s No Fault Car Insurance

Each state has its own laws that govern how to determine who is at fault in a vehicle or motorcycle accident. Kentucky is no different. When it comes to the term “no-fault” in a car accident case, this does not mean the driver is not at fault. Instead, it refers to the type of auto insurance system established by a state’s laws. No-fault insurance protects both parties from falling into a rabbit hole of lengthy and expensive court battles over who was at fault in the accident.

Your car insurance includes PIP or Personal Injury Protection which is the no-fault portion. PIP works by only covering medical expenses, rather than property damage, after an accident and in some cases, lost wages and funeral expenses.  The main difference between PIP and bodily injury liability is that bodily injury liability makes payments to the people you’re legally liable for hurting, while PIP only covers your own medical expenses. Bodily injury liability also covers your legal defense costs.

Twelve states require some level of personal injury protection (PIP) coverage: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

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