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.
Many Kentuckians enjoy the thrill of riding in the bed of a pickup truck, especially during warm weather. However, before hopping in the back, it’s essential to understand the legalities. Kentucky law has specific rules regarding riding in the bed of a truck, and violating them can lead to serious consequences.
Kentucky Law on People Riding in the Bed of a Truck
In Kentucky, the legality of riding in the bed of a truck depends on several factors, including the rider’s age, the location, and the circumstances. Generally, Kentucky law allows adults to ride in the bed of a truck, but there are specific regulations for minors and requirements for safe transportation.
Under Kentucky law, minors riding in the bed of a truck is legal in some situations. It is allowed during a parade or when the vehicle is part of a special event or used for emergency purposes. It is also legal when transporting farmworkers from one field to another on farm-to-market roads, ranch-to-market roads, or county roads outside municipalities.
Additionally, riding in the bed is permitted during a hayride that the local governing body or law enforcement agency has permitted.
Kentucky Law on Pets Riding in the Bed of a Truck
In Kentucky, there are no specific state laws that prohibit dogs from riding in the bed of a pickup truck.However, allowing a dog to do so without proper restraint can raise concerns under the state’s animal cruelty statutes, which prohibit transporting animals in a cruel or inhumane manner.
While Kentucky doesn’t have explicit laws mandating restraints for dogs in truck beds, it’s important to consider safety recommendations.Unrestrained dogs are at significant risk of injury from falls, sudden stops, or accidents.To ensure their safety and to avoid potential legal issues, it’s advisable to use a secured crate or a cross-tethering system when transporting dogs in the bed of a pickup truck.
Additionally, some local ordinances may have specific regulations regarding this practice. Therefore, it’s prudent to check with local authorities to ensure compliance with any municipal laws.
Legal Considerations for Adults Riding in the Bed of a Truck
Kentucky law is more lenient for adults. It is generally legal for adults to ride in a truck’s bed, but the truck must be equipped to carry passengers safely. Passengers in the truck bed must be seated or standing securely, and the truck should have a bed designed to hold passengers safely.
Even though it’s legal for adults, safety is a critical concern. Passengers in the bed of a truck are vulnerable to being ejected, especially in the event of a collision or sudden maneuver. Kentucky law requires that the passengers in the truck bed must take precautions to avoid accidents that could lead to serious injury or death. In the event of an accident, you may be liable for the accident and the passenger’s injuries.
Why Safety Matters
Riding in the bed of a truck can be dangerous. The National Highway Traffic Safety Administration (NHTSA) reports that over 500 people are killed each year in the U.S. after being ejected from pickup truck beds. The unrestrained nature of the ride, combined with the lack of protective barriers, increases the risk of serious injury or death in the event of a crash.
Passengers in the truck bed also lack protection from the elements or other vehicles, which can amplify the severity of any accident. Unrestrained passengers are at a significantly higher risk of injury in any collision.
Best Practices for Safety
If you must ride in the bed of a truck, follow these safety tips to minimize risks:
Consider Avoiding Riding in the Bed: The safest option is to ride inside the truck’s cab. This provides far more protection in the event of a crash.
Wear a Seatbelt: If you’re in the bed, please make sure that you are seated securely and, if possible, wearing a seatbelt or safety harness.
Drive Carefully: Drivers should adhere to speed limits, avoid sudden maneuvers, and exercise caution when driving with passengers in the truck bed.
Use Safety Barriers: Trucks equipped with safety barriers or nets for passengers should use them to prevent ejection.
Use a Crate For Pets: Consider transporting your pet in a crate or a cross tethering system.
If someone is injured while riding in the bed of your truck, you could be held liable for medical expenses, lost wages, pain and suffering, and other economic damages. In such cases, having legal representation is crucial to navigating the complexities of personal injury claims and potential lawsuits.
Follow Kentucky Laws and Exercise Caution
In Kentucky, riding in the bed of a truck is generally legal for adults, but there are strict laws regarding minors. Kentucky prohibits children under 18 from riding in the bed of a car on public roads to protect them from potentially deadly accidents. While the law permits truck bed rides for adults, safety remains a critical concern. Please ensure the truck is designed to carry passengers safely and follow the necessary precautions to avoid injury.
In summary, while not explicitly illegal statewide, transporting an unrestrained dog in the bed of a pickup truck in Kentucky can pose safety risks and potential legal concerns under animal cruelty provisions.
Contact Queener Law
For more information, please contact an experienced personal injury lawyer like Henry Queener at Queener Law to schedule a free initial consultation today.
Should You Buy Rental Car Insurance? Pros and Cons Explained
Renting a car can be a convenient way to travel, whether you’re on vacation, on a business trip, or your vehicle is temporarily out of commission. But right before you drive off the lot, you’re faced with a familiar question at the rental counter: Do you want to purchase insurance with that?
If you’ve ever hesitated or felt unsure, you’re not alone. Here’s a breakdown of the pros and cons of buying rental car insurance to help you make a confident decision the next time you rent.
The Pros of Buying Rental Car Insurance
1. Peace of Mind
One of the biggest advantages is the peace of mind that comes from knowing you’re covered. If anything goes wrong — from a fender bender to theft — you won’t have to deal with your personal auto insurance or pay out-of-pocket.
2. Protects Your Personal Insurance
If you use your personal auto insurance for a rental, any claims can impact your rates. Rental insurance helps you avoid filing through your own policy, preserving your premium and avoiding deductible payments.
3. Additional Coverage
Rental insurance often includes extras not covered by personal insurance, like loss-of-use fees (charges for the time the rental is out of commission), administrative fees, and roadside assistance.
4. Simpler Claims Process
With rental insurance, the rental company typically handles claims directly. This can be much faster and less stressful than going through your personal insurance provider.
The Cons of Buying Rental Car Insurance
1. It Can Be Expensive
Rental car insurance can add $10–$30 or more per day to your rental costs. If you’re renting for several days or weeks, that adds up fast.
2. You May Already Be Covered
Many drivers already have sufficient coverage through their personal auto insurance, credit cards, or travel insurance. Paying for duplicate coverage is essentially throwing money away.
3. Confusing Terms
Rental companies often offer multiple types of coverage (collision damage waiver, liability, personal accident insurance, etc.), and it can be unclear what’s necessary or redundant — especially under pressure at the counter.
4. Coverage May Still Have Gaps
Even with rental insurance, you might not be fully protected. For instance, some policies don’t cover damage to tires, the undercarriage, or windshield — all of which are common damage points.
So, Should You Buy It?
It depends. Ask yourself the following:
Does my personal car insurance cover rentals?
Does my credit card offer rental car insurance?
Am I traveling internationally, where my coverage might not apply?
Do I want to avoid the hassle of filing claims?
Consumer Reports suggests “before you get to the rental counter, find out exactly what your credit card and personal auto insurance protect you against, paying special attention to the common coverage gaps and special circumstances.”
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.
Understanding your Traffic Crash Report or police report after a car accident can be confusing. However, it’s essential to comprehend your accident report and ensure its accuracy, as insurance companies will use it to determine compensation for your accident.
If you were in a truck accident, the trucking company will likewise look at the accident report as part of their response to the accident. Moreover, if the investigating officer is called to testify in a deposition or at trial, their testimony will likely be based on the report.
Here are some key components to pay attention to:
Accident Details: Look for specifics on how the accident occurred, including diagrams or sketches if available.
Contact Information: Ensure that all involved parties and witnesses’ names, addresses, and contact information are accurate.
Injuries and Damages: The report should outline any injuries sustained and the damages to vehicles involved.
Citations and Violations: Check for any traffic citations issued and details about the circumstances leading to such violations.
Witness Accounts: Witness statements can provide additional context to the events.
Officer’s Narrative: The officer’s interpretation of the incident can influence the outcome, so it’s vital to reflect the situation accurately.
Insurance Information: Note the insurance details entered in the report that are necessary for claims processing.
Contact Queener Law and schedule a no-cost consultation with our law firm to get assistance if you have questions about your police report. Call (606)451-0053.
Drivers running red lights due to impatience or distraction cause more than 1,000 fatalities each year, endangering their lives and other road users as well. Many red-light runners have reported “accidentally” blowing through these traffic lights due to a distraction. Red-light running often results from distracted or aggressive driving and is 100% preventable.
The Insurance Institute for Highway Safety (IIHS) reports that 1,149 people were killed and more than 100,000 injured in crashes that involved red-light running in 2022. At least half of those killed were the driver’s passengers, pedestrians, bicyclists, or people in other vehicles.
Among drivers involved in fatal, red-light-running, multiple-vehicle crashes in 2022, the red-light runners were more likely than other drivers to be male, to be younger, and to have prior crashes or alcohol-impaired driving convictions, according to IIHS. They were also more likely to be speeding or alcohol-impaired at the time of the crash and less likely to have a valid driver’s license.
Red-light running in Kentucky
Kentucky State Police data compiled from collision reports submitted by Kentucky law enforcement agencies across the commonwealth show that in 2023, 3,914 crashes occurred due to drivers’ disregard for traffic control, resulting in 46 fatalities and 2,194 injuries.
Reducing risks from red-light runners
With the number of red-light running crashes continuing to climb, AAA offers these tips for avoiding crashes caused by running red lights:
• Limit distractions. AAA Foundation research finds that distraction from activities, such as hands-free texting or dialing while sitting at a red light, can linger with a driver for up to 27 seconds afterward.
• Drive defensively. Before you advance through an intersection after the light has turned green, take a moment to look both ways and then proceed. Don’t assume all cross traffic has obeyed the red light.
• Prepare to stop. When preparing to enter an intersection, lift your foot off the accelerator and “cover the brake” by positioning your right foot just above the brake pedal without touching it.
• Use good judgment. Monitor “stale” green lights―those that have been green a long time―as you approach the intersection. They are more likely to turn yellow when you arrive at the intersection, so anticipate the need to make a safe stop.
• Tap the brake. Tap your brakes a couple of times before fully applying them to slow down. This will help catch the attention of drivers behind you who may be inattentive or distracted.
When a driver runs a red light, it is more likely to cause a significant injury than many other types of accidents due to the high speed involved and the unprepared drivers crossing traffic that have a green light. “T-bone” or “angular” collisions often result in severe injuries and fatalities for the occupants on the side of the car that is hit. Small gaps separate the driver and passenger from a side impact, increasing the chances of catastrophic injuries.
If you’ve been involved in an accident with a negligent driver who ran a red light, you need Queener Law to fight for you! Don’t wait to get help. Queener Law will get you set up with medical attention, even if you do not have health insurance. Call Queener Law today or use ouronline consultation form to schedule a free consultation and discuss the circumstances of your accident and how we can help you.
KY Pedestrian Hit and Killed by a Vehicle. These Accidents are More Common Than EVER. What Does This Mean for You?
On the evening of December 4th, a pedestrian was struck by a vehicle on US 27 in Lincoln Co. The man sustained fatal injuries, and local authorities arrested the driver for an outstanding warrant. Alcohol is not believed to be a factor. Accidents like these are becoming more and more common. According to NPR, US pedestrian deaths reached a 40-year high in 2023.
Will the Driver’s Insurance Cover the Victim’s Medical Bills and Damages?
Not necessarily. Many residents in Kentucky carry only the minimum auto insurance required by law. These policies provide $25,000 for injury or death of one person, $50,000 for multiple people, and $25,000 for property damage. Unfortunately, these amounts are often insufficient in serious cases.
What Does This Mean for Me?
In Kentucky, many drivers choose to carry only the minimum insurance coverage. This, combined with the rising number of vehicle and pedestrian accidents, can lead to inadequate funds to cover medical bills or damages in the event of an accident for which they are at fault. You may find yourself in a difficult position if you do not have Underinsured or Uninsured coverage.
What If I Am Not at Fault?
In Kentucky, we have a provision known as Personal Injury Protection (PIP) as part of our car insurance. The driver’s PIP may cover your medical expenses. However, you may also experience lost wages from missing work and other related costs. An attorney can help you seek the compensation you deserve.
What Should I Do If Their Insurance Doesn’t Cover Everything?
It’s essential to have representation as a victim in these situations. Finding the right personal injury attorney can be crucial in securing the compensation you deserve for pain and suffering. Queener Law has access to reconstruction experts, financial professionals, medical experts, and others who can bolster your claim for relief. Please contact our office today if you or a loved one has been injured.
