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Kentucky Injury Claim Rules

Rules cited to Kentucky’s statutes and case lawRules checked How we calculate

Fault rulePure comparativeYou can recover at any fault level. The award is cut by your share.Ky. Rev. Stat. § 411.182
Filing deadline1 yearFrom the injury date. 2 years for vehicle crashes.Ky. Rev. Stat. §§ 413.140, 304.39-230
Minimum insurance25/50/25Per person, per crash, property. Kentucky is a choice no-fault state.
Damage capsNone on injury damagesPunitive and malpractice damages can be capped separately.

Calculators with these rules built in

Kentucky personal injury settlementAny injury someone else caused, valued under your state’s fault rule.Kentucky car accident settlementInjury value plus your vehicle claim, with policy limits and no-fault rules.Kentucky truck accident settlementCommercial policies carry far higher limits. See what that changes.Kentucky motorcycle accident settlementSevere-injury ranges, fault disputes and the rider’s own coverage.Kentucky pedestrian accident settlementHit on foot, including crosswalk fault and your own auto coverage.Kentucky bicycle accident settlementCyclist claims under your state’s fault rule.Kentucky rideshare accident settlementUber and Lyft layered coverage, by the driver’s app status.Kentucky slip and fall settlementPremises claims, where proving the owner knew is half the case.Kentucky dog bite settlementStrict-liability and one-bite states, and the homeowner’s policy that pays.Kentucky wrongful death settlementLost support, household services and companionship, valued today.Kentucky pain and sufferingCompare the multiplier and per-diem methods side by side.Kentucky settlement offer checkerPlace an insurer’s offer inside your state’s range.Kentucky demand letterA ready-to-edit demand letter for the insurance adjuster.Kentucky filing deadlineYour last day to file an injury lawsuit, by state and claim type.Kentucky comparative faultHow your share of fault changes the award under your state’s rule.Kentucky policy limits and um/uim gapWhen the other driver’s policy runs out, and what your own covers.Kentucky no-fault and pipPIP benefits in the 12 no-fault states, and when you can sue.

This page collects the rules that decide what an injury claim is worth in Kentucky: who can recover when both sides share the blame, how long you have to sue, what insurance drivers must carry and whether the state caps damages. Every rule links to the statute or court decision behind it, and every calculator on this site uses these same values.

Kentucky is a choice no-fault state, so car crash claims start with your own PIP coverage. Pure comparative decides how fault affects everything else.

Kentucky injury claim rules

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.

Filing deadlines. You have one year from the injury to file a personal injury lawsuit, and two years after a vehicle crash. Families have one year for a wrongful death claim, usually counted from the date of death. 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. Claims against a government agency need written notice much sooner.

Car 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.

Dog bites. Owners are strictly liable for any damage their dog causes.

Kentucky injury claim questions

Can I still get a settlement in Kentucky if I was partly at fault?

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 personal injury lawsuit in Kentucky?

one year from the injury in most cases. 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.

Who pays a personal injury settlement?

Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.

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.