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.

Answer provided by
Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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.”

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