Kentucky Car Accident Settlement Calculator
Estimate what a car accident or personal injury claim might be worth in Kentucky — instantly, with no email or phone number required. This tool applies Kentucky's pure comparative negligence rule, the factor that most "calculators" leave out, and shows you exactly how it reaches the number.
Kentucky claims at a glance
| Negligence rule | Pure comparative negligence |
|---|---|
| If you share fault | No threshold — you recover your share at any fault level |
| No-fault insurance state? | Yes |
| Statute of limitations (approx.) | ~2 years |
| Legal data last reviewed | 2026-06 |
📌 Choice no-fault state. For a car accident the operative deadline is 2 years under the Motor Vehicle Reparations Act (KRS 304.39-230) — running from the accident, or from the last PIP/no-fault benefit payment, whichever is later. The general personal-injury limit is 1 year (KRS 413.140), which applies to a car-accident claim only if PIP/no-fault coverage was rejected. Verify locally.
Estimate your Kentucky settlement
A few quick questions, in the order things actually happen. Everything stays in your browser, and you’ll get your estimate the moment you hit the button — no email, no waiting.
How fault affects your settlement in Kentucky
This state uses pure comparative negligence. Your recovery is reduced by your fault percentage, but you can recover something even if you were mostly at fault (e.g. at 90% fault you still recover 10%).
Say your total damages come to $84,000 and you were 30% at fault. Under Kentucky's pure comparative negligence rule, your award is reduced by your share — so you could recover about $58,800. Even at 90% fault you would still recover 10%; Kentucky never eliminates your claim purely because of your fault percentage.
Kentucky settlement FAQ
What negligence rule does Kentucky use for car accident claims?
Kentucky follows pure comparative negligence. This state uses pure comparative negligence. Your recovery is reduced by your fault percentage, but you can recover something even if you were mostly at fault (e.g. at 90% fault you still recover 10%).
How long do I have to file a personal injury claim in Kentucky?
Kentucky's statute of limitations for personal injury is generally about 2 years from the date of the accident. Deadlines vary by claim type and have exceptions, and missing one can permanently bar your claim — confirm the exact deadline with a Kentucky attorney.
Is Kentucky a no-fault insurance state?
Yes. Kentucky has a no-fault (PIP) system, meaning your own insurance typically pays certain medical costs and lost wages first, regardless of who caused the crash. Stepping outside the no-fault system to pursue the at-fault driver often requires meeting a specific injury threshold.
Is there anything unusual about Kentucky's rules?
Choice no-fault state. For a car accident the operative deadline is 2 years under the Motor Vehicle Reparations Act (KRS 304.39-230) — running from the accident, or from the last PIP/no-fault benefit payment, whichever is later. The general personal-injury limit is 1 year (KRS 413.140), which applies to a car-accident claim only if PIP/no-fault coverage was rejected. Verify locally.
Sources
Last reviewed 2026-06. We cite our sources so you can verify — laws change, and corrections are welcome via Contact.
- Ky. Rev. Stat. § 304.39-230 — Motor Vehicle Reparations Act, limitation of actions: a tort action may be commenced within 2 years after the injury or after the last basic/added reparation (PIP) benefit payment, whichever is later (operative deadline for car-accident bodily-injury claims) (Kentucky General Assembly)
- Ky. Rev. Stat. § 413.140 — Actions to be brought within one year; subsec. (1)(a) covers injury to the person (general 1-year PI limitation; applies to a motor-vehicle claim only if PIP/no-fault was rejected) (Kentucky General Assembly / Legislative Research Commission)
- Ky. Rev. Stat. § 411.182 — Allocation of fault in tort actions; award of damages in proportion to each party's percentage of fault (statute implementing Kentucky's comparative-negligence apportionment) (Kentucky General Assembly)
Important disclaimer
This Kentucky estimate is for general information only and is not legal advice. Real settlements depend on disputed liability, insurance policy limits, evidence, damage caps, and negotiation. Statute-of-limitations figures are approximate — verify locally. Consult a licensed Kentucky attorney about your specific claim. See our full Disclaimer.