06/02/2025
You ever get in an accident in Kentucky and the first thing they say is,
Don’t worry, it’s a no-fault state — and you’re like,
What does that even mean?!
Okay, let me break it down real simple.
In Kentucky, no-fault means your own car insurance pays for your medical bills and lost wages — no matter who caused the accident.
Yup, even if the other driver was texting, speeding, or eating tacos behind the wheel, your insurance pays first.
This is called PIP – Personal Injury Protection.
It usually covers up to $10,000, right off the bat.
But don’t get it twisted — no-fault doesn’t mean no responsibility.
You can still go after the other driver if you’re seriously hurt, have big medical bills, or miss a lot of work. That’s where I come in — The Accident Lady.
So next time someone tells you,
“Oh, it’s no-fault, you don’t get anything,”
Tell them,
“I know better — I called The Accident Lady.”
