Personal Injury Protection (PIP)
PIP is mandatory in Kentucky unless all drivers in your household have rejected no-fault coverage.

What's covered?

• Medical expenses– These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; necessary medications, medical supplies, and prosthetic devices.
• Lost wages– If you or your passengers are unable to work due to accident-related injuries, PIP helps you recover your lost wages.
• Substitute services– Should you or your regular passengers need help performing household or other tasks due to accident-related injuries, PIP also helps pay for such substitute services.
• Funeral expenses– If a covered individual dies from accident-related injuries, PIP helps pay for related funeral expenses.

How much protection does this coverage provide?
Total payments covered by PIP are limited to $10,000 per person, per incident.

Deductible
When you purchase PIP coverage, you need to select a deductible. Your deductible is the portion of a claim that you pay.

A higher deductible can substantially lower the cost of your insurance premium. You should balance this savings against your ability to absorb a larger out-of-pocket expense.

Guest Personal Injury Protection
Guest personal injury protection provides coverage to guest passengers in your vehicles. It is required when all drivers on your policy have rejected no-fault coverage.

What’s covered?

• Medical expenses– These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; necessary medications, medical supplies, and prosthetic devices.
• Lost wages– If you or your passengers are unable to work due to accident-related injuries, PIP helps you recover your lost wages.
• Substitute services– Should you or your regular passengers need help performing household or other tasks due to accident-related injuries, PIP also helps pay for such substitute services.
• Funeral expenses– If a covered individual dies from accident-related injuries, PIP helps pay for related funeral expenses.

Who’s covered?

• Guest passengers

How much protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amount that will be paid per person for any combination of covered expenses.

Bodily Injury
If the policyholder or another driver covered by the Kentucky policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Who's covered?
Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Kentucky auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your auto insurance quote refer to the maximum amounts that will be paid per accident.

Additional Personal Injury Protection
Additional personal injury protection provides additional coverage in increments of $10,000 for policies that carry personal injury protection.

What’s covered?

• Medical expenses– These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; necessary medications, medical supplies, and prosthetic devices.
• Lost wages– If you or your passengers are unable to work due to accident-related injuries, Additional PIP helps you recover your lost wages.
• Substitute services– Should you or your regular passengers need help performing household or other tasks due to accident-related injuries, Additional PIP also helps pay for such substitute services.
• Funeral expenses– If a covered individual dies from accident-related injuries, Additional PIP helps pay for related funeral expenses.

Who’s covered?
	Policyholder
	Policyholder’s spouse
	Members of the policyholder’s household
	Passengers
	Pedestrians

How much protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amount that will be paid per person for any combination of covered expenses.

Medical Payments
Medical payments coverage pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

The coverage limit refers to the maximum amount that will be paid per person, per accident.

Uninsured Motorist Bodily Injury Coverage
The limits for this coverage cannot exceed the limits you select for your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.

If you’re injured in an accident caused by a driver who has no insurance coverage, uninsured motorist bodily injury coverage covers the following expenses:

Uninsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.

Underinsured Motorist Bodily Injury
The limits for this coverage cannot exceed the limits on your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.

If you’re injured in an accident caused by a driver who has insufficient coverage, underinsured motorist bodily injury coverage covers the following expenses:

Underinsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.

How much protection does this coverage provide?
If the other driver involved in an accident is underinsured, this coverage typically pays any difference between what the other driver’s insurance covers and what your bodily injury coverage will pay.

The coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively. If the limits you purchase are lower than an accident’s costs, you’ll be responsible for paying the amounts over your limits, unless you’re covered by health insurance.