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regardless of fault.\u00a0 The theory behind this was that insurance companies\u00a0would resolve disputes between themselves more efficiently.<\/p>\nFor obvious reasons, this never took off.\u00a0 Over time blended versions of the theory were developed that provided access to the tort system when predefined limits were exceeded.\u00a0 Under this blended approach, no-fault insurance began to get positive support for the states.\u00a0 So much so, that at one point almost half of the states had developed and instituted\u00a0a no-fault system.<\/p>\n
Of the twenty-four states that put a no-fault auto insurance systems in place, only twelve remain.\u00a0 The states that continue to have a no-fault system are; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.<\/p>\n
<\/h4>\nWhat Kentuckians need to know about no-fault insurance<\/h4>\n
You may have heard of PIP, or Personal Injury Protection Coverage.\u00a0 By law, all Kentuckians are required to have a minimum of $10,000 PIP Coverage on motor vehicles (motorcycles are excluded.)\u00a0 Often referred to as Basic PIP Coverage, this can be used for medical and other related costs for injuries sustained by individuals in the insured car, regardless of who is at fault.<\/p>\n
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<\/a>operating automobiles until certain minimums have been met.\u00a0\u00a0While motorcycles operators and passengers are excluded from the PIP, it is optional.\u00a0 Although PIP is optional, motorcycle operators should seriously consider carrying the optional Basic PIP Coverage.\u00a0 Otherwise, they may find themselves in the difficult position of having no coverage and no rights to sue for damages as, by default, they have accepted the states standard tort limits.<\/p>\n