Yes, Kentucky uses a no-fault insurance system. This means that after a car accident, each driver’s own insurance company covers their medical expenses and other losses, regardless of who was at fault. This system is designed to streamline the claims process and reduce the need for litigation. However, drivers in Kentucky have the option to reject no-fault coverage in writing, which allows them to pursue claims against the at-fault driver. Understanding Kentucky’s no-fault insurance laws can help you make informed decisions about your coverage and ensure you are adequately protected in the event of an accident.