Understanding Kentucky’s No-Fault PIP Insurance And Tort Threshold
Last updated on August 14, 2026
Kentucky no-fault auto insurance laws can affect how your medical expenses and lost income are paid after a crash. A lawyer can help you determine whether you have a claim against the responsible driver.
At Shumate, Flaherty & Eubanks, PSC, we carry on a tradition of client dedication dating to 1916. From Richmond, attorney Mike Eubanks draws on over 45 years of experience when representing injured people throughout Central Kentucky and statewide.
How Basic Reparation Benefits Provide $10,000 In Default Coverage
Kentucky PIP insurance provides coverage known as Basic Reparation Benefits (BRB). The standard policy provides up to $10,000 per person for economic losses, including reasonable medical costs, lost earnings and replacement services.
Drivers may also purchase Added Reparation Benefits for additional protection.
How The 2026 PIP Update Changes Wage-Loss Benefits
2026 Kentucky House Bill 627 increased the allowable reimbursement for work loss from $200 to a $500 weekly wage-loss cap. The change applies to qualifying basic and added reparation coverage issued or renewed on or after the law’s effective date.
Be sure to keep wage records and documentation showing every missed workday when seeking Personal Injury Protection benefits in Kentucky.
How Can An Injured Person Meet Kentucky’s Tort Threshold?
The Kentucky tort threshold for car accidents limits when an injured person may seek non-economic damages. Under KRS 304.39-060, you may cross that threshold when medical expenses exceed $1,000 or the crash causes:
- Broken bones
- Permanent disfigurement
- A permanent injury
- Death
The $1,000 medical expense threshold may include hospital, surgical, rehabilitative and professional medical expenses.
Can You Sue For Pain And Suffering In Kentucky?
Yes, you may pursue pain-and-suffering compensation when your injuries satisfy the statutory threshold. Crossing it allows you to step outside no-fault restrictions and bring a claim against the at-fault driver.
PIP subrogation and health insurance liens may affect the amount you ultimately receive.
Discuss Your Claim With Our Firm
If a crash injured you in Richmond, Shumate, Flaherty & Eubanks, PSC, can help you pursue available compensation. To get started with a free consultation, fill out our contact form or call 859-353-0878.