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No fault insurance coverage

hand injury

Car Accident Attorneys in Kentucky and Tennessee

If you are involved in an accident, you may be entitled to payments under no fault or PIP benefits in an insurance plan. No fault insurance coverage is called PIP, which stands for Personal Injury Protection coverage.

Typically, PIP benefits are pursued in cases with smaller amounts of damage to vehicles or property or more minor physical injuries. PIP benefits are usually pursued in lieu of filing a lawsuit against the person at fault in the accident.

You file for PIP benefits with your own insurance company if you are injured in an accident and you’re riding in or driving your own vehicle. If you were riding in someone else’s vehicle and injured in an accident, you’d file for PIP benefits with that person’s insurance company. It doesn’t matter who was at fault in the accident.

Kentucky law requirements

Kentucky law requires that anyone operating a vehicle in Kentucky have PIP coverage of $10,000 or more. Motorcyclists are exempt from this stipulation. PIP benefits cover things such as medical expenses, hospital bills, mileage to and from medical appointments and lost wages. The family of someone who died in an accident may also seek additional PIP benefits beyond payment of medical bills.

While our firm also handles cases in Tennessee, there is no provision in Tennessee law for PIP, or no-fault benefits. PIP insurance is only required in about a dozen states.

How much can I get in benefits?

The amount of PIP benefits you can receive is affected by how much insurance coverage you purchase above the minimum of $10,000. We recommend reading your insurance policy to look for this benefit so you can see how much to expect. You may want to discuss the amount of benefits provided under your policy with your insurance agent or broker to ensure that you have what you need should you become injured in an accident. Insurers do not increase the amount of PIP coverage you have as your insurance amount goes up, so if you want extra PIP coverage on your policy, you’ll have to buy it separately if your policy allows for it. If you need assistance handling issues with your insurer following an accident, our experienced attorneys can help you. Contact us at (270) 781-6500 or use our contact form. We’ll be glad to assist you.

Client Reviews

I was so pleased with all the good efforts and grateful for all Jessica and her firm did on my behalf.

Clare

Kurt was very helpful, caring, and understood the struggle we had. He was diligent and worked fast to make sure our case was handled quick, fairly and properly. He settled my case above my expectations and has continued to stay in contact to make sure all needs were met.

Amy

I know Kurt to be a man of integrity with an uncanny sense and knowledge of the law and it's workings. I enthusiastically, without hesitation recommend Kurt and would call upon him again.

Linton

Mr. Roby helped me with the process after my car accident. Very helpful and made the process very beneficial for me.

Abigail

At 37 weeks pregnant my wife was in an automobile accident in Bowling Green caused by someone not only under the influence of alcohol but was non-licensed, non-insured, and a non-citizen. With my wife’s vehicle totaled, in the middle of trying to pack and move into our new home just a couple weeks...

Claiborne

Attorney Kyle Roby was excellent, and truly fought for me. I appreciated all the people I spoke with from the front desk clerk, Molly, and Mr. Roby. I thank ELPO personnel for all their kindness, understanding, and incredible diligence towards obtaining the best possible outcome for me. Thank you...

Victoria

Kurt Maier is simply the best! He has always been clear and straight to the point about my cases. He kept me informed every step of the way. If you are looking for a devoted attorney to win your case, I highly recommend him!

Tarinza

Jessica Shoulders and Molly are absolutely phenomenal! I have worked with Jessica for years on several cases, and she has consistently provided top-tier legal representation. She stays on top of every detail, ensuring the best possible outcome every time. Her dedication, expertise, and commitment to...

Ricky

Kyle Roby made me feel like family. I really appreciate how he handled my case. Seemed more like a friend than attorney. Would definitely recommend him to anyone needing an attorney

R C

Kyle handled my case with such professionalism and ease. I was constantly kept informed throughout every step of the process. They began work quickly, answered all my questions, negotiated a more than satisfactory settlement, and was truly passionate about the level of service they provided.

Ashley

We had just experienced a horrible car accident out of state. My mother in law who was our passenger received the worst injuries. We were tied up with her care. Talking with doctors, Medicare, insurance adjusters etc. We contacted ELPO law offices and worked with Kurt and Donna over the next several...

Bill

Such a wonderful experience with ELPO Law firm. Highly recommend Kyle Roby for any accident related case. Case manager Heather Renick made the process easy and understandable. She answered any and all of my questions. Making the grueling process very stress free. Anytime I made a visit to the office...

Mallory

Kurt and Donna were absolutely AMAZING. They truly make you feel heard and handle everything for you. I would never go any place else for assistance. Thank you guys!!

Leslie

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