Auto Accident Demand Letter - Kentucky

DEMAND FOR SETTLEMENT - MOTOR VEHICLE COLLISION

COMMONWEALTH OF KENTUCKY

[________________________________]
(Firm Name)

[________________________________]
(Street Address)

[________________________________], Kentucky [__________]
(City, State, ZIP)

Telephone: [________________________________]
Facsimile: [________________________________]
Email: [________________________________]

DATE: [__/__/____]

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
AND VIA ELECTRONIC MAIL

[________________________________]
(Adjuster Name / Claims Professional)

[________________________________]
(Insurance Company Name)

[________________________________]
(Street Address)

[________________________________]
(City, State, ZIP)

Email: [________________________________]

RE: SETTLEMENT DEMAND - MOTOR VEHICLE COLLISION

Our Client: [________________________________] (Client Full Legal Name)
Client Date of Birth: [__/__/____]
Date of Loss: [__/__/____]
Your Insured: [________________________________] (At-Fault Driver Full Name)
Claim Number: [________________________________]
Policy Number: [________________________________]
Policy Limits: $[________________________________]

Dear [________________________________]:

This firm represents [________________________________] ("Client" or "Claimant") in connection with injuries and damages sustained in a motor vehicle collision that occurred on [__/__/____] in [________________________________], [________________________________] County, Kentucky. This letter constitutes a formal demand for settlement of all claims arising from this collision.

We have completed our investigation, compiled all relevant medical records, billing statements, and supporting documentation, and are now prepared to present our client's claim for your good faith evaluation.

IMPORTANT NOTICE REGARDING KENTUCKY'S CHOICE NO-FAULT SYSTEM:
☐ Our client DID NOT reject the no-fault tort limitation and is subject to the tort threshold requirements of KRS 304.39-040. Our client's injuries exceed the tort threshold as detailed below.
☐ Our client DID reject the no-fault tort limitation under KRS 304.39-060 and has unrestricted tort rights.
(Check one box above and delete the inapplicable option.)

I. KENTUCKY LEGAL FRAMEWORK

A. CRITICAL: Kentucky's Choice No-Fault System - KRS 304.39-060

Kentucky is one of only a few states that operates a "choice" no-fault automobile insurance system under the Motor Vehicle Reparations Act (KRS Chapter 304.39). This unique system requires careful analysis:

Default Position (No-Fault Accepted):
All persons who register, operate, maintain, or use a motor vehicle in Kentucky are deemed to have accepted limitations on their tort rights and liabilities. This means:

• The injured person must first seek compensation through their own Basic Reparation Benefits (BRB/PIP) coverage
• The injured person cannot sue the at-fault driver for non-economic damages (pain and suffering) unless the tort threshold is met

Rejection Option (Full Tort Rights):
Under KRS 304.39-060, any individual may reject the limitations on tort rights by filing a written rejection on a form prescribed by the Department of Insurance. A person who files such rejection:

• Retains full, unrestricted tort rights (may sue for all damages without meeting any threshold)
• Automatically rejects their right to receive BRB/PIP benefits (though "buy-back" PIP coverage is available)
• Must file the rejection with the Department of Insurance before it is effective

B. Tort Threshold (For Non-Rejectors) - KRS 304.39-040

For claimants who have not rejected the no-fault tort limitation, a tort claim for non-economic damages is permitted only if the injuries meet one of the following threshold conditions:

☐ Medical expenses exceed $1,000 (monetary threshold)
☐ Injury results in a fractured bone
☐ Injury results in permanent disfigurement
☐ Injury results in a permanent injury or loss of bodily function
☐ Injury results in death

Our Client's Status:

☐ If client DID NOT reject no-fault: Our client meets the tort threshold because [________________________________] (specify threshold met — e.g., medical expenses of $[____] exceeding $1,000; fractured [bone]; permanent disfigurement consisting of [description]; permanent injury to [body part]).

☐ If client DID reject no-fault: Our client filed a written rejection of the no-fault tort limitation under KRS 304.39-060 and retains full, unrestricted tort rights. No tort threshold applies.

C. Statute of Limitations - KRS 304.39-230

CRITICAL - SHORT DEADLINE: Under KRS 304.39-230, the statute of limitations for motor vehicle collision claims is two (2) years. The limitations period runs from:

• The date of the accident, OR
• The date of the last Basic Reparation Benefit (BRB/PIP) payment, whichever is later

This is an extension of the general one-year personal injury statute of limitations under KRS 413.140(1)(a), which provides only one year for most personal injury claims. The two-year period under KRS 304.39-230 applies specifically to motor vehicle reparation claims.

Date of Loss: [__/__/____]
Date of Last BRB/PIP Payment (if applicable): [__/__/____]
Statute of Limitations Expiration: [__/__/____]

WARNING: Kentucky's statute of limitations for personal injury is among the shortest in the nation. The one-year general deadline under KRS 413.140 and the two-year motor vehicle deadline under KRS 304.39-230 require immediate attention and strict calendaring.

D. Pure Comparative Fault - KRS 411.182

Kentucky follows pure comparative fault as codified in KRS 411.182. This statute provides:

• In all tort actions, including products liability, involving fault of more than one party, the court shall instruct the jury to answer interrogatories indicating:
• (a) The amount of damages each claimant would be entitled to recover if contributory fault is disregarded
• (b) The percentage of the total fault allocated to each claimant, defendant, third-party defendant, and released party
• In determining percentages of fault, the trier of fact considers both the nature of the conduct of each party and the extent of the causal relation between the conduct and damages
• Each plaintiff's award is reduced by the percentage of fault attributed to that plaintiff
• A plaintiff may recover even if found 99% at fault (recovery reduced to 1%)
• There is no threshold at which fault bars recovery

Kentucky's pure comparative fault system is among the most plaintiff-favorable in the nation. In the present case, your insured bears 100% liability.

E. No Damage Caps - Kentucky Constitution § 54

Kentucky's Constitution provides the strongest protection against damage caps in the nation. Section 54 of the Kentucky Constitution states:

"The General Assembly shall have no power to limit the amount to be recovered for injuries resulting in death, or for injuries to person or property."

This constitutional prohibition means:

• No legislative cap on compensatory damages (economic or non-economic) may be imposed
• No cap on punitive damages has been enacted (juries determine the amount)
• The full measure of all damages proven is recoverable

F. Punitive Damages

Kentucky allows punitive damages in cases involving conduct that demonstrates a flagrant disregard for the rights of others. Under Kentucky law:

• No statutory cap applies (the jury determines the amount)
• Constitutional protections under § 54 prevent legislative caps
• The award must bear a reasonable relationship to compensatory damages to satisfy due process

[If applicable: Based on the conduct of your insured, including [________________________________], we reserve the right to pursue punitive damages.]

II. BASIC REPARATION BENEFITS (BRB/PIP) ANALYSIS

A. BRB/PIP Coverage - KRS 304.39-020, KRS 304.39-030

Under Kentucky's Motor Vehicle Reparations Act, Basic Reparation Benefits (BRB), also known as Personal Injury Protection (PIP), provide the following coverage:

B. Client's BRB/PIP Status

☐ Client has BRB/PIP coverage (did not reject no-fault):

Date of Last BRB/PIP Payment: [__/__/____]
(This date is critical for statute of limitations calculation under KRS 304.39-230)

☐ Client rejected no-fault under KRS 304.39-060:

• Client does not receive BRB/PIP benefits unless "buy-back" coverage was purchased
• Client retains full tort rights
• Statute of limitations runs from date of accident only

C. Coordination with Tort Claim

For clients with BRB/PIP coverage:

• BRB/PIP benefits are paid by the client's own insurer regardless of fault
• In the tort claim, the at-fault party is liable for all damages exceeding BRB/PIP coverage
• BRB/PIP payments may create subrogation rights for the PIP insurer
• Economic damages in the tort claim should account for BRB/PIP already paid to avoid double recovery

III. STATEMENT OF FACTS

A. Parties Involved

B. Accident Description

On [__/__/____], at approximately [________] [AM/PM], our client was operating a [________] (Year) [________________________________] (Make/Model) in a [northbound/southbound/eastbound/westbound] direction on [________________________________] (Street/Highway Name) near [________________________________] (Intersection/Landmark) in [________________________________], [________________________________] County, Kentucky.

[________________________________]
(Provide detailed narrative of the collision, including:)

• (Direction and speed of travel for both vehicles)
• (Traffic conditions, road conditions, weather conditions)
• (Specific negligent acts or omissions by the at-fault driver)
• (Point of impact on both vehicles)
• (Post-impact movement of vehicles)
• (Whether airbags deployed)
• (Position of occupants at time of impact)
• (Emergency response and transport)

C. Police Report

The collision was investigated by [________________________________] (Law Enforcement Agency), and a report was filed under Report Number [________________________________]. The investigating officer [________________________________] (Officer Name/Badge Number) [noted/cited/documented]:

[________________________________]
(Summarize key findings, citations issued, fault determinations, and witness statements)

D. Witness Information

E. Photographic and Video Evidence

[________________________________]
(Describe available photographic and video evidence)

IV. LIABILITY ANALYSIS

A. Negligence of Your Insured

Under Kentucky law, negligence requires: (1) a duty of care; (2) a breach of that duty; (3) causation; and (4) damages. See Pathways, Inc. v. Hammons, 113 S.W.3d 85 (Ky. 2003).

Your insured breached the applicable duty of care by:

☐ Failing to maintain a proper lookout — KRS 189.290
☐ Following too closely — KRS 189.340
☐ Failing to yield the right-of-way — KRS 189.330
☐ Exceeding the posted speed limit — KRS 189.390
☐ Driving at an unreasonable speed for conditions — KRS 189.390
☐ Failing to obey a traffic control device — KRS 189.338
☐ Operating under the influence of alcohol or drugs — KRS 189A.010
☐ Using a personal communication device while driving — KRS 189.292
☐ Failing to stop at a stop sign — KRS 189.330
☐ Improper lane change — KRS 189.300
☐ Making an improper turn — KRS 189.380
☐ Reckless driving — KRS 189.290
☐ Other: [________________________________]

B. Negligence Per Se

Your insured's violation of [________________________________] (specific Kentucky traffic statute) constitutes negligence per se under Kentucky law. Kentucky courts recognize that the violation of a statute enacted for safety purposes constitutes negligence per se when the statute was designed to protect the class of persons to which the plaintiff belongs. See Hargis v. Baize, 168 S.W.3d 36 (Ky. 2005).

C. Comparative Fault Assessment

Based on the totality of the evidence, your insured bears [____]% fault. Under Kentucky's pure comparative fault system (KRS 411.182), even if your insured attempts to attribute fault to our client, recovery is merely reduced — never barred. No credible evidence supports fault on the part of our client.

V. INJURIES AND MEDICAL TREATMENT

A. Injuries Sustained

As a direct and proximate result of this collision, our client sustained the following injuries:

☐ [________________________________]
☐ [________________________________]
☐ [________________________________]
☐ [________________________________]
☐ [________________________________]
☐ [________________________________]

B. Medical Treatment Chronology

TOTAL MEDICAL EXPENSES: $[____________]
(If applicable: Exceeds $1,000 tort threshold under KRS 304.39-040)

C. Current Medical Status

[________________________________]
(Describe current condition, ongoing symptoms, functional limitations, prognosis, and future treatment recommendations)

D. Treating Physician's Opinions

[________________________________], [MD/DO], has opined that our client's injuries were caused by the motor vehicle collision and that [________________________________]
(Describe medical opinions on causation, permanency, disability, future treatment, and prognosis)

VI. DAMAGES

A. Past Medical Expenses

Less BRB/PIP Medical Payments (if applicable): ($[____________])
Net Past Medical in Tort Claim: $[____________]

B. Future Medical Expenses

C. Lost Wages and Income

D. Future Lost Earning Capacity

[________________________________]
(Describe diminished future earning capacity with expert opinions)

E. Pain and Suffering (Non-Economic Damages)

Kentucky Constitution § 54 prohibits any legislative cap on damages. Our client is entitled to full, uncapped non-economic damages. [If applicable: Our client meets the tort threshold under KRS 304.39-040, entitling recovery of non-economic damages.]

Our client has experienced significant pain and suffering:

☐ Physical pain from the collision and resulting injuries
☐ Ongoing chronic pain and discomfort
☐ Mental anguish and emotional distress
☐ Loss of enjoyment of life activities
☐ Inability to participate in recreational activities: [________________________________]
☐ Sleep disturbance and insomnia
☐ Anxiety, depression, and/or PTSD symptoms
☐ Scarring and/or disfigurement
☐ Loss of mobility and physical limitations
☐ Impact on family relationships and social activities
☐ Embarrassment and humiliation

Pain and Suffering Multiplier Analysis:

F. Property Damage

G. Loss of Consortium

[________________________________] (Spouse Name), the [husband/wife/domestic partner] of our client, has a separate and independent claim for loss of consortium under Kentucky law. Kentucky recognizes loss of consortium as a derivative claim. See Marr v. Montgomery, 332 S.W.3d 57 (Ky. App. 2009)*. As a result, [________________________________] has been deprived of:

☐ Companionship and society
☐ Affection and marital intimacy
☐ Assistance with household duties
☐ Participation in shared activities
☐ Emotional support and comfort

Loss of Consortium Damages: $[____________]

VII. TOTAL DAMAGES SUMMARY

VIII. KENTUCKY INSURANCE REQUIREMENTS AND COVERAGE ANALYSIS

A. Mandatory Tort Liability Insurance - KRS 304.39-110

Kentucky law requires the following minimum automobile liability insurance:

B. Basic Reparation Benefits (BRB/PIP) - KRS 304.39-020

• BRB/PIP is required on all motor vehicle policies unless the insured has rejected no-fault under KRS 304.39-060
• Covers medical expenses, lost wages (less 20% for taxes), and replacement services
• Benefits are payable regardless of fault

C. Uninsured/Underinsured Motorist Coverage - KRS 304.39-320

• UM/UIM coverage is required on all Kentucky auto policies
• The insured may reject UM/UIM in writing, but the rejection must comply with statutory requirements
• Stacking may apply when multiple vehicles are on the same policy

D. Coverage Applicable to This Claim

IX. SETTLEMENT DEMAND

A. Demand Amount

Based upon the foregoing analysis, we hereby demand the total sum of:

$[________________________________]

in full and final settlement of all claims arising from the collision of [__/__/____].

B. Demand Deadline

This demand shall remain open for thirty (30) days from the date of this letter, expiring on [__/__/____].

Given Kentucky's short statute of limitations, prompt response is essential. If this demand is not accepted within the stated timeframe, it is deemed withdrawn.

C. Settlement Terms

☐ Payment of the full demand amount within fifteen (15) days of acceptance
☐ Execution of a mutually agreeable release of all claims
☐ No admission of liability
☐ Settlement funds payable to "[________________________________] and [________________________________], Attorneys"
☐ Dismissal with prejudice of any pending litigation (if applicable)
☐ BRB/PIP subrogation/reimbursement to be resolved separately

X. SETTLEMENT NEGOTIATION PROVISIONS

A. Good Faith and Kentucky Unfair Claims Settlement Practices

We expect good faith evaluation consistent with Kentucky's Unfair Claims Settlement Practices Act (KRS 304.12-230). This statute prohibits:

• Misrepresenting pertinent facts or policy provisions
• Failing to acknowledge and act reasonably promptly upon communications
• Refusing to pay claims without conducting a reasonable investigation
• Failing to affirm or deny coverage within a reasonable time
• Compelling claimants to litigate by offering substantially less than amounts recovered
• Failing to settle claims promptly where liability has become reasonably clear

B. Counteroffer Process

Should you wish to counteroffer:

☐ Written explanation of the basis for the counteroffer
☐ Identification of disputed damages categories
☐ Supporting documentation
☐ Policy limits and coverage positions
☐ Position on no-fault status and tort threshold

XI. RESERVATION OF RIGHTS AND LITIGATION WARNING

A. Reservation of Rights

This demand is presented without prejudice to all rights, claims, and remedies, including:

☐ Filing a civil action for negligence and related claims
☐ Seeking punitive damages (no cap under Kentucky Constitution § 54)
☐ Pursuing bad faith claim against the insurer under KRS 304.12-230
☐ Asserting claims against additional parties
☐ Seeking prejudgment interest under Kentucky law
☐ Recovering attorney's fees and costs where permitted
☐ Pursuing wrongful death claims under KRS 411.130 if applicable

B. Litigation Consequences

Should we be required to file suit:

• We will seek the full, constitutionally uncapped measure of damages under Kentucky law
• Kentucky's pure comparative fault system provides no threshold defense to the tortfeasor
• Kentucky Constitution § 54 protects our right to full damages without legislative caps
• Kentucky juries, particularly in Jefferson County (Louisville) and Fayette County (Lexington), render substantial verdicts
• Extensive discovery will be conducted
• Expert witnesses will be retained
• CAUTION: Kentucky's short statute of limitations requires timely filing

XII. MEDICAL AUTHORIZATION AND RECORDS

A. Enclosed Documentation

☐ Police/crash report
☐ Complete medical records and billing statements
☐ BRB/PIP benefit payment documentation
☐ No-fault rejection form (if client rejected no-fault)
☐ Tort threshold evidence (if client did not reject no-fault)
☐ Photographs of scene, vehicles, and injuries
☐ Proof of lost wages
☐ Pay stubs/W-2s/tax returns
☐ Expert reports
☐ Property damage documentation
☐ Out-of-pocket expense receipts
☐ Witness statements
☐ [________________________________]

B. Medical Records Authorization

☐ Limited medical authorization is [enclosed / available upon request]
☐ We do not authorize access to unrelated pre-existing records
☐ Direct all additional requests to this office

XIII. DOCUMENTATION AND FILING CHECKLIST

Pre-Demand Preparation

☐ Complete investigation of accident facts
☐ Obtain and review police/crash report
☐ Determine client's no-fault election status (accepted or rejected under KRS 304.39-060)
☐ If no-fault accepted: verify tort threshold is met under KRS 304.39-040
☐ Document BRB/PIP benefits received, remaining, and date of last payment
☐ Photograph scene, vehicles, and injuries
☐ Identify and interview witnesses
☐ Obtain all medical records and billing statements
☐ Verify client has reached MMI or stabilized
☐ Obtain treating physician narrative report
☐ Calculate economic damages (net of BRB/PIP offsets)
☐ Evaluate non-economic damages (no caps under KY Const. § 54)
☐ Research Kentucky law and comparable verdicts
☐ Determine all insurance coverages and limits
☐ Calendar statute of limitations deadline immediately: [__/__/____]
☐ Consider whether SOL runs from accident or last BRB/PIP payment

Demand Submission

☐ Send demand via certified mail, return receipt requested
☐ Send courtesy copy via email
☐ Calendar 30-day response deadline: [__/__/____]
☐ Maintain complete file copies
☐ Log all adjuster communications

Post-Demand Follow-Up

☐ Confirm receipt of demand
☐ Follow up if no response within 15 business days
☐ Document all negotiations in writing
☐ File suit promptly if demand rejected — SHORT STATUTE OF LIMITATIONS
☐ Consider mediation or ADR
☐ Address BRB/PIP subrogation in any settlement

XIV. KENTUCKY-SPECIFIC PRACTICE NOTES

A. Key Legal Considerations

☐ CHOICE NO-FAULT SYSTEM (KRS 304.39-060): Kentucky is one of only a handful of "choice no-fault" states. The practitioner must first determine whether the client accepted or rejected the no-fault tort limitation. This determination affects: (a) whether a tort threshold must be met; (b) whether BRB/PIP benefits are available; and (c) the calculation of the statute of limitations.

☐ SHORT STATUTE OF LIMITATIONS: Kentucky has one of the shortest limitation periods in the nation. General personal injury claims have only ONE year under KRS 413.140(1)(a). Motor vehicle claims have TWO years under KRS 304.39-230 (from accident or last BRB/PIP payment). Calendar the deadline immediately upon intake and set multiple reminders.

☐ Pure Comparative Fault (KRS 411.182): Kentucky's pure comparative fault system allows recovery regardless of the plaintiff's percentage of fault. Even a plaintiff found 99% at fault may recover 1% of damages. This is extremely favorable to plaintiffs.

☐ Constitutional Protection Against Damage Caps (KY Const. § 54): This is Kentucky's most powerful plaintiff tool. Section 54 of the Kentucky Constitution flatly prohibits the legislature from capping damages for injury to person or property, or for wrongful death. No other state has stronger constitutional protection against tort reform damage caps.

☐ Tort Threshold (KRS 304.39-040): For non-rejectors, the $1,000 medical expense threshold is low and easily met in most cases. Fractured bones, permanent disfigurement, and permanent injury are alternative thresholds.

☐ BRB/PIP Benefits ($10,000): Maximum BRB/PIP is $10,000 per person per accident. Track payments carefully and note the date of the last payment, as this affects the statute of limitations.

☐ BRB/PIP Subrogation: The PIP carrier may assert subrogation rights in any tort recovery. Address subrogation in settlement negotiations.

☐ Punitive Damages (No Cap): Kentucky allows punitive damages with no statutory cap. The jury determines the amount, subject to constitutional due process review. Kentucky Constitution § 54 prevents any legislative cap.

☐ Unfair Claims Settlement Practices (KRS 304.12-230): Kentucky provides remedies against insurers who engage in unfair claims practices, including bad faith denial or delay.

☐ Mandatory UM/UIM Coverage (KRS 304.39-320): UM/UIM is mandatory. Verify any rejection is properly documented.

☐ No-Fault Rejection Form: The rejection must be on a form prescribed by the Department of Insurance (806 KAR 39:030) and filed with the Department before it is effective. Verify compliance with all requirements.

B. Venue Considerations

☐ Kentucky Circuit Court has jurisdiction over personal injury claims
☐ Venue is proper in the county where the accident occurred or where defendant resides
☐ Jefferson County (Louisville) and Fayette County (Lexington) are generally favorable plaintiff venues
☐ Consider federal diversity jurisdiction if applicable

C. Expert Disclosure Requirements

☐ Kentucky Rules of Civil Procedure CR 26.02(4) governs expert discovery
☐ Expert reports and depositions are standard
☐ Prepare medical experts on causation, permanency, and tort threshold compliance

XV. CONCLUSION

The evidence establishes that your insured was at fault for this collision and that our client has suffered significant injuries and damages. [Our client meets the applicable tort threshold / Our client rejected the no-fault limitation and has full tort rights]. Under Kentucky's pure comparative fault system and the constitutional prohibition on damage caps, our client is entitled to full and uncapped compensation. We believe this demand represents a fair valuation under Kentucky law.

Given Kentucky's short statute of limitations, we urge prompt and good faith response.

Respectfully submitted,

[________________________________]
(Firm Name)

By: _________________________________
[________________________________]
(Attorney Name)
Kentucky Bar No. [________________________________]
Email: [________________________________]
Direct Phone: [________________________________]

ENCLOSURES:
☐ Police/Crash Report
☐ Medical Records and Bills
☐ BRB/PIP Payment Documentation
☐ No-Fault Election/Rejection Documentation
☐ Tort Threshold Evidence
☐ Photographs
☐ Wage Verification
☐ Expert Reports
☐ Property Damage Documentation
☐ [________________________________]

cc: [________________________________] (Client)
cc: [________________________________] (File)

Sources and References

• Kentucky Legislature, KRS 411.182 (Allocation of Fault): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=17782
• Kentucky Legislature, KRS 304.39-230 (Statute of Limitations for Motor Vehicle Claims): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=45816
• Kentucky Legislature, KRS 413.140 (General Personal Injury Limitations): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=17750
• Kentucky Legislature, KRS 304.39-060 (Choice No-Fault Rejection): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=30030
• Kentucky Legislature, KRS 304.39-040 (Tort Liability Limitations / Threshold): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=45814
• Kentucky Legislature, KRS 304.39-110 (Required Minimum Tort Liability Insurance): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758
• Kentucky Legislature, KRS 304.39-320 (UM/UIM Coverage): https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=45821
• Kentucky Constitution, Section 54: https://apps.legislature.ky.gov/law/constitution/Constitution/ViewConstitution?rsNbr=260
• Kentucky Department of Insurance - No-Fault Rejection: https://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=24&divid=15
• Kentucky DRIVE - Mandatory Insurance: https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx
• 806 KAR 39:030 (No-Fault Rejection Form Regulation): https://www.law.cornell.edu/regulations/kentucky/806-KAR-39-030