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Personal Injury Protection — Kentucky

Personal Injury Protection (PIP) pays your medical bills and lost wages after a car accident, regardless of who caused the crash.

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What Is Personal Injury Protection Insurance?

Personal Injury Protection covers medical expenses, lost wages, and essential services after a car accident, paying out regardless of fault. In Kentucky, your PIP coverage pays your bills first before you pursue the at-fault driver's liability insurance.

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Who Needs Personal Injury Protection Insurance?

Self-employed drivers and gig workers without employer-paid sick leave benefit most from higher PIP limits, since the wage-loss component replaces income during recovery. Families with multiple drivers should evaluate stacked PIP to combine limits across vehicles.

How Much Does Personal Injury Protection Insurance Cost?

  • Household size — each additional driver or vehicle on the policy increases PIP cost proportionally.

Related Coverage Types

A man in a dark cap and grey work jacket sits in a vehicle's driver seat fastening his seat belt, with a steering wheel at right and bare trees and snowy ground outside the window.Non-Owner Car Insurance→A man in a dark green henley shirt sits at a wooden desk using a laptop, with drawings, a notepad, a pen and a gray mug around him, a curtained window showing a sunset behind him and a shelf with a lamp to the right.Minimum Coverage Car Insurance→Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and a road with blurred street lights and oncoming headlights through the windshield.Uninsured and Underinsured Motorist Coverage→Driver's point of view at night showing two hands on a steering wheel, an illuminated instrument cluster and center screen, and a dark road with streetlights and oncoming headlights ahead.Liability Insurance→
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