What is a car accident claim worth in Kentucky?
Every rule below is quoted from Kentucky law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Kentucky, and the Kentucky rules that raise or lower what you collect. $26,626 was the average injury claim paid in Kentucky in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Kentucky law on this site, each with a link.
What claims paid in Kentucky
Injury claims in Kentucky averaged $26,626 each in 2022.
Car and property damage claims averaged $6,431.
| Injury claim paid by the at fault driver's insurance | $26,626 |
|---|---|
| Car and property damage | $6,431 |
| Personal injury protection, paid by your own policy | $6,514 |
| Medical payments coverage, paid by your own policy | $1,049 |
| Collision coverage, paid by your own policy | $7,030 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Kentucky
If you were partly at fault
Kentucky uses pure comparative fault. You can recover damages even if you were mostly at fault, but your award is reduced by your own percentage of fault.
“The court shall determine the award of damages to each claimant in accordance with the findings...and shall determine and state in the judgment each party's equitable share of the obligation”
The other driver's policy limit is the ceiling
Kentucky drivers must carry at least $25,000 in liability coverage per person, $50,000 per crash, and $25,000 for property damage, or a single combined limit of $60,000.
“Split limits liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of bodily injury sustained by any one (1) person, and not less than fifty thousand dollars ($50,000)”
If the other driver has no insurance
Kentucky insurers must include uninsured motorist coverage in every auto policy, but a named insured can reject it in writing.
“provided that any named insured shall have the right to reject in writing such coverage”
The deadline that ends the claim
For injuries from a car crash, you generally have 2 years to sue, counted from the injury, the death, or the date of your last basic reparation benefit payment, whichever is latest.
“An action for tort liability not abolished by KRS 304.39-060 may be commenced not later than two (2) years after the injury, or the death, or the date of issuance of the last basic or added reparation payment”
What a lawyer takes if you hire one
Kentucky has no dollar or percentage cap on personal injury contingency fees. The fee has to be reasonable, and the contingent fee agreement must be in writing.
“A contingent fee agreement shall be in writing and should state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal, litigation and other expenses to be deducted from the recovery”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.