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State statute · Kentucky

KRS Chapter 304, Subtitle 39 - Motor Vehicle Reparations Act (no-fault) (304.39-010 et seq.)

Publisher
Kentucky Legislative Research Commission
Edition
Kentucky Revised Statutes, current version served by the Legislative Research Commission
Last checked
2026-09-29
Status
Kentucky Revised Statutes, public domain
Edition and licensing notes

Publisher. Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov)

Edition. Kentucky Revised Statutes, current version served by the Legislative Research Commission; retrieved 2026-09-29

Status. Kentucky Revised Statutes, public domain.

Read the official textPractice questions from this source

What this document is

KRS Chapter 304, Subtitle 39 - Motor Vehicle Reparations Act (no-fault) (304.39-010 et seq.) is a state statute published by Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov). It is one of the Kentucky documents that insurance license exam questions are written from, including kentucky property & casualty, kentucky personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • KRS 304.39-060(4) (Acceptance or rejection of partial abolition of tort liability)
    “Such rejection must be completed in writing or electronically in a form to be prescribed by the Department of Insurance and must have been executed and filed with the department at a time prior to any motor vehicle accident for which such rejection is to apply.”
  • KRS 304.39-060(2)(b) (Acceptance or rejection of partial abolition of tort liability)
    “only in the event that the benefits which are payable for such injury as "medical expense" or which would be payable but for any exclusion or deductible authorized by this subtitle exceed one thousand dollars ($1,000), or the injury or disease consists in whole or in part of permanent...”
  • KRS 304.39-210(5) (Obligor's duty to respond to claims)
    “(5) (a) A reparation obligor who rejects a claim for basic reparation benefits shall give to the claimant prompt written notice of the rejection, specifying the reason. (b) If a claim is rejected for a reason other than that the person is not entitled to the basic reparation benefits claimed, the...”
  • KRS 304.39-320(1) (Underinsured motorist coverage)
    “(1) As used in this section, "underinsured motorist" means a party with motor vehicle liability insurance coverage in an amount less than a judgment recovered against that party for damages on account of injury due to a motor vehicle accident.”
  • KRS 304.39-110(1)(a)1. (Required minimum tort liability insurance)
    “Split limits liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of bodily injury sustained by any one (1) person, and not less than fifty thousand dollars ($50,000) for all damages arising out of bodily injury sustained by all persons injured as a...”
  • KRS 304.39-230(2) (Limitations of actions)
    “If no basic or added reparation benefits have been paid to the decedent or his or her survivors, an action for survivor's benefits may be commenced not later than one (1) year after the death or four (4) years after the accident from which death results, whichever is earlier.”
  • KRS 304.39-045 (Exclusion from coverage as operator by agreement)
    “In an automobile liability insurance policy, the insurer and the named insured may agree to exclude any member of the household not a spouse or dependent from coverage as the operator of an insured vehicle. The names of persons excluded shall be set forth in the policy or in an endorsement that is...”
  • KRS 304.39-060(6) (Acceptance or rejection of partial abolition of tort liability)
    “(6) Every insurance company when issuing an automobile policy to a resident of this Commonwealth must inform the buyer in writing in a form to be prescribed by the insurance commissioner of his or her right to reject the limitations of the tort rights and liabilities under this subtitle in the...”
  • KRS 304.39-115 (Limitation on claim of loss of use of motor vehicle)
    “Loss of use of a motor vehicle, regardless of the type of use, shall be recognized as an element of damage in any property damage liability claim. Such a claim for loss of use of a motor vehicle shall be limited to reasonable and necessary expenses for the time necessary to repair or replace the motor vehicle.”
  • KRS 304.39-020(2) (Definitions for subtitle, basic reparation benefits)
    “The maximum amount of basic reparation benefits payable for all economic loss resulting from injury to any one (1) person as the result of one (1) accident shall be ten thousand dollars ($10,000), regardless of the number of persons entitled to such benefits or the number of providers of security...”
  • KRS 304.39-320(4) (Underinsured motorist coverage)
    “If an underinsured motorist insurer chooses to preserve its subrogation rights by refusing to consent to settle, the underinsured motorist insurer shall, within thirty (30) days after receipt of the notice of the proposed settlement, pay to the injured party the amount of the written offer from the...”

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Questions about this source

KRS Chapter 304, Subtitle 39 - Motor Vehicle Reparations Act (no-fault) (304.39-010 et seq.) is a state statute published by Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov). Edition: Kentucky Revised Statutes, current version served by the Legislative Research Commission; retrieved 2026-09-29.

No. This page summarizes the document and links to the official version. Always rely on the text published by Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov) for the current law.

Practice questions for Kentucky Property & Casualty, Kentucky Personal Lines cite this document.

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