Kentucky: rules and deadlines at a glance

Every 14 topic we track for Kentucky on one page. Open a topic for the details, the law it comes from and how Kentucky compares.

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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Shared fault rules · Accident reporting rules · Lemon law rules · Sales tax rates · Phone-while-driving laws · Motorcycle helmet laws · Gas tax · Uninsured drivers · Marijuana laws

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.

Filing deadlines (statute of limitations)

Personal injury	1 year
Property damage	2 years

Car insurance by state

Minimum liability	$25,000 / $50,000 / $25,000
Fault system	Choice no-fault (you pick limited or full right to sue)
Shared-fault rule	Pure comparative: recovery reduced by your share of fault

Claim deadlines

Acknowledge	15 days
Accept or deny	Pay, or explain the delay, within 30 days of proof of loss
Pay	Within 30 days of proof of loss

Small claims limits Single detailed source

Dollar limit	$2,500
Filing fee	$38 plus other fees
Lawyers	Allowed

Total loss rules

Total loss rule	75% of actual cash value

Shared fault rules

Rule	Pure comparative negligence
When you are barred	Up to 99% at fault: damages reduced by your share

Accident reporting rules

Report required if	Death, injury, or over $500 damage
Deadline	10 days

Lemon law rules Single detailed source

Repair attempts or days	4 attempts or 30 days
Coverage period	1 year or 12,000 miles, whichever first

Sales tax rates Single detailed source

State rate	6.00%
Combined average	6.00%

Phone-while-driving laws Single detailed source

Handheld ban	No
Texting ban	Yes, primary

Motorcycle helmet laws Single detailed source

Law type	Partial
Who must wear one	Riders under 21 or licensed less than 1 year

Gas tax Single detailed source

Gasoline	26.4¢ per gallon
Diesel	23.4¢ per gallon

Uninsured drivers Single detailed source

Drivers uninsured	14.1%
UM/UIM coverage	Not required (insurers must offer it)

Marijuana laws

Legal status	Medical only