Kentucky Motor Vehicle Accident Settlement Calculator

The statute of limitations for this type of claim in Kentucky is 2 years — in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Importantly, Kentucky recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.

As a no-fault auto insurance state, Kentucky requires you to file a claim with your own insurance company first under your personal injury protection (PIP) policy, regardless of who caused the accident. You can only file a lawsuit against the at-fault driver if your injuries meet Kentucky's serious injury threshold — typically involving significant disfigurement, permanent injury, or medical expenses exceeding the PIP limit. This two-step process means many minor car accident claims in Kentucky are resolved entirely through PIP, while serious injury cases proceed as traditional lawsuits.

Kentucky requires all drivers to carry minimum liability insurance of $25K per person / $50K per accident in bodily injury coverage and $25K in property damage coverage (commonly written as 25/50/25). These minimums are below the national average, meaning many drivers in Kentucky may carry only enough insurance to cover a fraction of the costs from a serious accident. Kentucky does not require uninsured motorist coverage, leaving you potentially unprotected if the at-fault driver has no insurance. Purchasing UM/UIM coverage is strongly recommended. As a no-fault state, Kentucky also mandates personal injury protection (PIP) coverage of at least $10K.