Reader’s Question:

Can you explain what a Guest PIP in Kentucky is?

Richie

Louisville, KY

Guest PIP is a type of coverage that must be bought if basic PIP has been rejected by the insured’s listed on an insurance policy. The state of Kentucky is a “choice no-fault” and this means that a driver can choose to insure their car under the tort system or the no fault system.

According to the Kentucky Department of Insurance representative, in Kentucky when you buy auto liability coverage you also buy PIP coverage for you, your family and guest passengers (choose the no-fault system).

Usually, guests are defined as those in your car that are not immediate family members. Normally, additional PIP is not afforded to a policy that includes Guest PIP coverage only.