Most people think of personal injury protection as something that only matters when you’re behind the wheel. Kentucky’s system is broader than that. Under the Motor Vehicle Reparations Act, which has shaped auto insurance here since 1974, basic reparation benefits, commonly called PIP, can also reach people who were never in a car at all.<\/p>\n
These benefits address economic losses regardless of who caused the accident, including medical expenses, a portion of lost wages, and help replacing household tasks you can’t perform while recovering. Benefits from multiple policies generally can’t be stacked for the same accident.<\/p>\n
Motorcycle riders are generally excluded from basic PIP unless optional motorcycle coverage was purchased. If you ride, that’s worth confirming on your policy.<\/p>\n
Thoroughbred Agency helps drivers, walkers, and riders across Ashland and the Tri-State area understand how Kentucky’s no-fault system protects them, and where extra coverage might make sense. To review your PIP and other auto coverages, reach out through Thoroughbred Agency<\/a> on Winchester Avenue in Ashland, KY.<\/p>\n","protected":false},"excerpt":{"rendered":" Most people think of personal injury protection as something that only matters when you’re behind the wheel. Kentucky’s system is broader than that. Under the Motor Vehicle Reparations Act, which has shaped auto insurance here since 1974, basic reparation benefits, commonly called PIP, can also reach people who were never in a car at all. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[12,15,11],"class_list":["post-16","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-ashland","tag-auto-insurance","tag-thoroughbred-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t