Kentucky Fault Rule
Pure Comparative Negligence + Choice No-Fault: Kentucky applies pure comparative negligence within a Choice No-Fault framework under the Motor Vehicle Reparations Act (MVRA). Drivers receive $10,000 basic PIP and must exceed a $1,000 medical threshold for tort claims.
Statute of Limitations
2 Years (KRS § 304.39-230 & KRS § 411.182): Claimants must finalize settlement agreements or initiate formal civil actions within 2 years of the collision date.
Statutory Insurance Minimums
25/50/25 ($25k bodily injury / $50k per accident / $25k property damage): These mandatory insurance minimums represent the maximum available coverage under standard policies unless the driver purchased higher optional coverage.
How Fault Apportionment Affects Claims in Kentucky
When negotiating auto accident claims in Kentucky, insurance adjusters calculate damages using an itemized formula that adds economic losses (medical bills, future treatment, lost earnings, property repair) to non-economic damages (pain and suffering, loss of enjoyment of life).
Under Kentucky Revised Statutes § 411.182, damages are diminished in proportion to the percentage of fault attributable to the claimant. Under the Kentucky MVRA (KRS Chapter 304, Subtitle 39), an injured person who has not opted out of no-fault must reach $1,000 in medical expenses or suffer permanent injury or fracture before seeking non-economic damages from the at-fault driver. Understanding this threshold prevents accident victims from being pressured into unfair initial liability splits during adjusters' telephone recorded statements.