PIP pays your bills after a crash regardless of fault. Learn what Kentucky's $10,000 Basic Reparation Benefits cover, who qualifies, and how to use them.
What PIP covers
Personal Injury Protection — known in Kentucky as Basic Reparation Benefits (BRB) — is a no-fault benefit included in standard auto policies. It pays up to $10,000 per person for reasonable medical expenses, lost wages (up to a monthly cap), replacement services, and certain other costs after a crash, regardless of who was at fault.
Who is covered
PIP typically covers the policyholder, household family members, passengers in the insured vehicle, and — importantly — pedestrians and cyclists struck by the insured vehicle. This is why someone hit while walking can often tap auto PIP benefits even though they weren't in a car.
How to access your benefits
You generally file PIP through your own insurer (or, if you have no auto policy, through the at-fault vehicle's insurer or the Kentucky Assigned Claims Plan). Prompt, documented medical treatment is essential — insurers can dispute charges they consider unreasonable or unrelated.
PIP is just the floor, not the ceiling
Ten thousand dollars rarely covers a serious injury. PIP is the starting point; once you meet Kentucky's injury threshold you can pursue the at-fault driver's liability coverage and your own underinsured-motorist coverage for the rest of your losses, including pain and suffering.
An attorney can coordinate your PIP with the larger claim so nothing is left on the table. Call 973-566-5599 for a free review.
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