What is the Kentucky Motor Vehicle Reparations Act

Sometimes referred to as the “No-Fault Act,” the Kentucky Motor Vehicle Reparation Act (“MVRA”) was enacted by the General Assembly in 1974 and ushered in great change in the Commonwealth’s motor vehicle insurance law. The MVRA, which is codified at KRS 304.39, consists of two main components: basic reparation benefits (“BRB”) and tort limitations.

This Kentucky law requires that vehicle owners provide $10,000 in “basic reparation benefits.” These are more commonly known as Personal Injury Protection benefits or PIP. It’s considered a no-fault coverage because it pays you regardless of who caused the accident. You may receive reimbursement for these classes of economic losses.

• Medical expense: Reasonably necessary medical products and services, non-medical religious healing methods, $1,000 per person for funeral and related expenses, and services by any Kentucky-licensed “healing arts” professional.
• Work loss: 85% of lost income for work the injured person would “…probably have performed.” A $200 per week benefit cap also applies.
• Replacement services: Expenses incurred to perform services an injured person would have performed for their family.
• Survivor’s economic loss: Economic losses incurred by a family due to an injured person’s death.
• Survivor’s replacement services loss: Expenses to replace services a decedent would have provided.

When another driver injures you, your right to make a liability claim or file a lawsuit depends on your injuries. You may pursue your legal right to recover damages if your injuries are serious enough to reach what is often referred to as a tort threshold.

Call to Receive Compensation Information for your Injuries

As can be seen, the MVRA is a multi-faceted law that prescribes the remedies available to injured parties and limits their tort remedies, all in service of creating an orderly system of compensation and payment allocation for motor vehicle accidents. For more information on the complexities of the law, contact the attorneys Copeland and Romines in Corbin, Kentucky 606-523-5100.