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Q: I've heard that Kentucky is a "no-fault" state and I can't sue the other driver if I have been in a car or semi-truck accident because I am entitled to PIP or BRB benefits What does that mean?

A: "No fault" is Kentucky's statute that requires the first $10,000 of your medical bills, lost wages, and replacement services be paid by your own automobile insurance company. It was designed to allow people to recover a portion of their damages without filing a lawsuit. The first $10k of these items are paid by your own insurance company, regardless of whose fault the accident was. Once the insurance companies decide who was at fault, the at fault driver's company reimburses the other insurance company. If your car is insured in Kentucky, you can recover these benefits even if the accident happens in another state. Furthermore, non-Kentucky residents traveling and injured while in Kentucky may also be entitled to to these benefits. No fault does NOT mean you can't recover damages from the other driver's insurance company, it simply means a portion of your damages will be paid without having to bring a claim or a lawsuit. If you still don't understand, give me a call and I'll explain it without charge.