Kentucky Law Leaves Motorcycle Riders Exposed

What Every Motorcyclist Needs to Know About PIP Coverage

Kentucky is a “no-fault” state when it comes to car insurance. That means most drivers are protected by Personal Injury Protection (PIP)—coverage that helps pay for medical bills, lost wages, and other expenses after an accident, no matter who was at fault.

Sounds great, right?
It is—if you’re in a car.

But here’s the catch:
If you’re on a motorcycle, you’re not automatically covered by PIP. That’s right. Motorcycle riders in Kentucky are excluded from no-fault coverage unless they specifically add PIP to their policy.

This legal loophole leaves riders dangerously exposed after an accident. Motorcycle crashes can result in serious injuries—and without PIP, you could be on the hook for thousands of dollars in medical bills and lost income while you recover.

What Can You Do?

Add PIP to your motorcycle insurance policy.
It’s optional—but crucial. Make sure you talk to your insurance agent and ask if you’re covered. If not, request that PIP be added immediately.

Know your rights and options.
Understanding Kentucky’s motorcycle insurance laws can help protect you financially if the unexpected happens.

If you’ve been injured due to someone else’s negligence, contacting Queener Law is a crucial first step in protecting your rights. Our experienced personal injury attorneys understand the physical, emotional, and financial toll an injury can take, and we’re here to help you navigate the legal process with clarity and confidence. At Queener Law, we fight to secure the compensation you deserve so you can focus on healing and rebuilding your life. Don’t wait—your recovery starts with the right legal team by your side.