Kentucky’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. This system aims to reduce litigation and speed up compensation for minor injuries. However, drivers can opt out of the no-fault system, allowing them to sue for pain and suffering if certain thresholds are met. Understanding Kentucky’s no-fault insurance is crucial for drivers to ensure they have adequate coverage and know their rights in the event of an accident.