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Can I refuse PIP coverage in Kentucky?
Can I remove personal insurance protection? I'm a new driver and the quotes I've been getting are super expensive. I want the bare minimum coverage since I have an old vehicle.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While most no-fault states make
personal injury protection
mandatory, Kentucky does give you the option to reject it. If you refuse coverage, you will be required to expressly reject it in writing. Typically this means signing a form with your insurance company that they are required to keep on file by the state.
If you decide you want to keep PIP, the state requires you to carry at least $10,000 of PIP coverage. This would cover you per accident.
While you are trying to save money, it can be beneficial to carry even the state minimum PIP. If you are injured in an accident, your personal injury protection would cover your medical expenses, regardless of fault.
Since you’re looking for
liability car insurance
only, you should be able to find an affordable rate with a carrier that includes PIP.”View full answer
- Gregory R.
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