Kentucky Auto Insurance & Crash Law Case Authority Library

This issue-organized authority index collects primary Kentucky statutes and leading appellate decisions for Motor Vehicle Reparations Act, BRB/PIP, UM/UIM and crash-law research.

Core Kentucky Statutes

KRS 304.20-020 — uninsured-motorist coverage and written rejection.
KRS 304.39-320 — underinsured-motorist coverage and settlement/subrogation procedure.
KRS Chapter 304.39 — Kentucky Motor Vehicle Reparations Act, including basic reparation benefits and tort-threshold provisions.

Leading Kentucky Decisions

Coots v. Allstate Insurance Co., 853 S.W.2d 895 (Ky. 1993) — UIM settlement and preservation of subrogation rights.
Hamilton v. Allstate Insurance Co. (Ky. 1990) — UM stacking and anti-stacking restrictions.
Allstate Insurance Co. v. Smith (Ky. 2016) — optional UIM coverage and insurer notice obligations.

Kentucky coverage analysis should integrate the Motor Vehicle Reparations Act, BRB/PIP elections, UM/UIM statutes, stacking rules and policy-specific settlement provisions.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.

VictimsGuide.com

A Citizen’s Guide to Auto Insurance and Crash Law

Find the state. Identify the problem. Preserve the record. Trace the law. Make an informed decision.

Start Here
State Law
Citizen’s Guides
Research Library
20 Illusions
Video Series
About

Terms · Privacy · Submissions · Contact

Public-interest education only. No legal services offered or accepted. No attorney-client relationship created. Verify current primary authority and the law applicable to the particular event before legal reliance.