Much has been discussed about PIP benefits in Kentucky for accident victims. However, motorcyclists should know that Kentucky law specifically excludes motorcyclists from recovering PIP benefits unless they purchase these as optional benefits. So, while car drivers in Kentucky are protected by a minimum $10,000.00 in coverage motorcyclists are not, unless they specifically pay for that coverage. As you can imagine the coverage for motorcyclists is more expensive given the increased chance of injury.
However, just because a motorcyclist does not have PIP benefits does not mean that he cannot make a claim if he is injured in an accident due to someone’s fault. A claim can, and if serious enough, should be made. An experienced accident lawyer can then work to help reduce the amount paid to cover medical expenses, including the first $10,000.00 not covered by PIP.