Kentucky’s ‘Choice’ No-Fault Insurance: The Driver Decision That Could Cost You Everything If You Got It Wrong
When you picked up your Kentucky auto insurance policy, you probably focused on the monthly premium and moved on. But buried in that paperwork was a decision that most drivers barely noticed one that could silently strip away your legal rights the moment you’re involved in a serious collision. Kentucky is one of only a handful of states that runs what’s called a “choice” no-fault insurance system. Unlike states that force all drivers into a single framework, Kentucky gives you a choice, and depending on which box was checked when you signed your policy, you may have already given up your right to sue the person who hurt you. Here’s what that really means, and why so many drivers don’t
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