Kentucky’s MVRA is our “no-fault” system. After a crash, your own policy typically pays up to $10,000 in “basic reparation benefits” (what most people call PIP) for medical bills, part of lost wages, and certain household/replacement services—before fault is sorted out. You can sue the at-fault driver once your injuries meet Kentucky’s tort threshold (e.g., $1,000+ in medical bills or specified serious injuries).