This calculator estimates what a car accident injury claim could be worth under Kentucky law. It applies Kentucky’s pure comparative rule, the two-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Because Kentucky is a no-fault state, the calculator first subtracts what your own PIP coverage pays, then asks whether your injury meets the threshold to claim pain and suffering from the at-fault driver.
Kentucky rules behind this estimate
Fault. Kentucky uses pure comparative fault. If a jury finds you 20% at fault, your award drops by 20%, and you can still recover something even if you were mostly to blame. Insurers still argue your share up, because every point of fault comes off the payout.
Deadline. You have two years from the crash to file a lawsuit in Kentucky. Two years for motor vehicle injuries, counted from the crash or the last no-fault (PIP) payment, whichever is later. One year for most other injuries. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. Kentucky is a no-fault state. Your own personal injury protection (PIP) pays your medical bills and part of your lost income first, up to $10,000, whoever caused the crash. To claim pain and suffering from the at-fault driver, you need $1,000 in medical bills, or a fracture, permanent injury, permanent disfigurement or death. Drivers who reject the no-fault limitation in writing keep the right to sue for any injury. Liability minimums are 25/50/25.
Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.
Kentucky car accident questions
What if the other driver only has the Kentucky minimum?
Their insurer will usually pay no more than $25,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.
Can I still claim if I was partly at fault in Kentucky?
Yes. Kentucky uses pure comparative fault, so you can recover even if you were mostly at fault. Your award is reduced by your percentage.
How long do I have to file a car accident claim in Kentucky?
two years from the crash to file a lawsuit. Report the claim to the insurers within days.
Do I need to meet a threshold to sue in Kentucky?
Yes. Kentucky is a no-fault state, so your PIP pays first. To claim pain and suffering from the at-fault driver you need $1,000 in medical bills, or a fracture, permanent injury, permanent disfigurement or death.
Does Kentucky cap pain and suffering damages?
Not in most injury cases. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.