Kentucky No Insurance Law

  • 4 min read
  • Aug 13, 2021

Liability Coverage of Bodily Injury 25000 per person50000 per accident and Property Damage 25000 per accident or 60000. Dont expect to get out of facing penalties for driving without insurance in Kentucky.


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It is a law about how insurance benefits must be paid in the event of an automobile accident resulting in injury.

Kentucky no insurance law. The state of Kentucky is called a no-fault state because of a law stating that each driver in the state of Kentucky has to file a claim with their insurance company first to get compensation for medical bills and other financial losses caused by the accident according to their own insurance policy. That means your insurance will pay your injury claims up to a specified limit regardless of who caused the accident. State law outlines the following consequences should you decide to forgo insurance coverage.

PIP will provide coverage if you are injured due to a motor vehicle accident so long as. One when you are pulled over by a traffic official and caught driving without insurance. An owner may not operate a vehicle in Kentucky until insurance has been obtained.

30420-020 Uninsured vehicle coverage — Insolvency of insurer. TITLE I SOVEREIGNTY AND JURISDICTION OF THE COMMONWEALTH. Kentuckys no-fault car insurance system runs in a slightly different way than traditional no-fault insurance states.

The KRS database was last updated on 06272021. CHAPTER 3 GRANTS TO UNITED STATES OF LANDS AND RIGHTS TO ACQUIRE. State you are entitled to No Fault benefits no matter who is at fault.

What is Kentuckys no-fault insurance law. The no-fault doctrine provides that regardless of who causes a car accident auto insurance companies will pay policyholders personal injury protection PIP benefits in the form of medical expenses lost wages and other out-of-pocket expenses. Kentucky is a no-fault state.

Choice No Fault Car Insurance in Kentucky Kentucky is one of around a dozen states that follow some variation of no-fault car insurance for purposes of compensation for car accident injuries. Kentucky state law requires you to carry a minimum amount of car insurance. KY Rev Stat 30420-020 2018.

CHAPTER 2 CITIZENSHIP EMBLEMS HOLIDAYS AND TIME. Kentuckys penalties for driving without proof of insurance. Posted In Kentucky Motor Vehicle Reparations Act Kentucky No Fault Insurance Personal Injury Protection Sometimes referred to the No-Fault Act the Kentucky Motor Vehicle Reparation Act MVRA was enacted by the General Assembly in 1974 and ushered in great change in the Commonwealths motor vehicle insurance law.

An owner who fails to maintain insurance on his vehicle shall have his vehicle registration revoked according to statute. Under Kentucly law the rejection of no-fault must be in writing on a special form thats filed with the states Department of Insurance. Includes enactments through the 2020 Regular Session.

Up to 90 days in jail. Florence Car Accident Injury Attorneys Kentuckys no-fault insurance law actually has nothing to do with fault. In Kentucky No-Fault benefits are known as Personal Injury Protection ie.

Kentuckys Choice No-Fault Car Insurance System. In a traditional no-fault state each driver turns to his or her own car insurance policy to get compensation for medical bills and certain other financial losses stemming from the accident regardless of who was at fault. When renewing your vehicle you must present proof of insurance and it must be effective within 45 days of your renewal.

Kentucky Revised Statutes. We make no warranties or guarantees about the accuracy completeness or adequacy of the information contained on this site or the information linked to on the state site. The minimum required insurance is.

Two when you are found to have allowed your policy to lapse via the monitoring arm of the Kentucky Transportation Cabinet KYTC. Kentucky law requires anyone who uses owns or maintains a motor vehicle in this state to have insurance. This means injured people cannot recover medical expenses wage loss other expenses or pain and suffering from the at-fault party unless their injuries exceed certain thresholds.

Also if you are a Kentucky resident with No-Fault coverage and are involved in an accident in any US. Fine between 500 and 1000. The term no-fault can be confusing to some.

Kentucky has implemented two ways to verify which registered motorists do not maintain proof of insurance. This is because Kentucky is a no-fault auto insurance state. See the Kentucky No-Fault Rejection Form from the states Department of Insurance The rejection remains in effect until the Department of Insurance is notified in writing of any changes to car insurance elections.

Mandatory Insurance Rules in Kentucky Per KRS 186A042 and KRS 30439-117 your vehicle must have a current active registration and you must maintain insurance on that vehicle. Failure to do so can result in severe penalties that may include monetary fines and jail time. In addition the vehicle owner as well as the vehicle driver are subject to a fine of 50000 to 100000 up to 90 days in jail or both.

In the traditional system each driver in an accident has to go to his or her personal insurance company to receive compensation for injuries sustained in the crash including medical expenses and property damage. Because Kentucky is a no fault state and some of your medical expenses have been paid by your auto insurance carrier under PIP this limits your right to sue and be sued tort rights. These codes may not be the most recent versionKentucky may have more current or accurate information.


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