Kentucky Auto Insurance & Crash Law

VictimsGuide’s Kentucky library organizes the rules that matter after a serious motor-vehicle crash: required liability insurance, no-fault basic reparation benefits, uninsured and underinsured motorist coverage, stacking, policy interpretation, claims handling, employer and commercial coverage, government claims, pure comparative fault, tort-threshold rules, reimbursement, settlement and controlling case authority.

Kentucky rules to identify early

• Minimum liability: Kentucky generally requires at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage.
• No-fault/PIP: basic reparation benefits are a core part of Kentucky’s Motor Vehicle Reparations Act, and tort rights can depend on the statutory threshold and any rejection of no-fault limitations.
• UM/UIM: uninsured and underinsured motorist coverage should be analyzed across all potentially applicable policies, including stacking and anti-stacking language.
• Comparative fault: Kentucky follows pure comparative fault, so claimant negligence reduces damages proportionally rather than imposing a 50% or 51% recovery bar.
• Government claims: state claims may involve the Kentucky Board of Claims, while local governmental entities require separate immunity and insurance analysis.

Preserve the complete policy, PIP/basic reparation benefit records, crash report, photographs, video, vehicle data and medical billing evidence, and identify household, employer, commercial, umbrella and excess coverage before executing a release.

Current-law review: September 17, 2026. Verify current Kentucky statutes, appellate decisions, policy elections and the policy actually issued before relying on this educational guide.