02/12/2026
If you’re involved in a car accident it may not seem like hiring an attorney is time sensitive, but it is. In Kentucky, your Basic Reparations Benefits (BRB) also known as Personal Injury Protection, is a coverage through your own auto insurance. It pays the first $10,000 of medical bills. It is common for an ER visit to exceed that $10,000 limit.
Without an attorney there is a good chance that an ER visit will exhaust your coverage. But Kentuckians have rights. You have a right to direct your PIP benefits. If you make a written request you can tell your insurer to reserve your benefits. This allows an injured person to use their PIP benefits for treatments that aren’t always covered by their health insurance such as chiropractic treatments or massage therapy. It also allows you to put a lot more of that money in your pocket.
If you’re injured in a car accident give us a call for a free, no pressure, consultation.