What Is PIP Insurance and How Does it Work?

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In Kentucky, PIP insurance coverage of at least $10,000 is required. You have it whether you know it or not.

PIP pays for medical care and some wage loss regardless of fault. It benefits drivers and passengers, giving them some financial relief to cover expenses quickly.

Most policies cover only the minimum $10,000. But even in a minor accident, costs and losses quickly exceed that limit. Once you have an accident, it's too late to change your auto insurance to help you.

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