{"id":343,"date":"2026-07-14T13:20:35","date_gmt":"2026-07-14T17:20:35","guid":{"rendered":"https:\/\/www.garmerprather.com\/blog\/?p=343"},"modified":"2026-07-14T13:20:55","modified_gmt":"2026-07-14T17:20:55","slug":"kentuckys-new-pip-law","status":"publish","type":"post","link":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/","title":{"rendered":"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits"},"content":{"rendered":"<p>Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss benefit\u2014from $200 to $500 per week\u2014for people who cannot work because of injuries suffered in a motor vehicle collision. But only policies that are newly issued or renewed after July 15, 2026, will include the new benefits. Our advice: <strong>Don\u2019t wait for your next renewal! Motorists should contact their insurance agent now and ask whether their existing automobile policies can be replaced or rewritten with new policies issued on or after July 15, 2026.<\/strong><\/p>\n<p>The reason is important: <a href=\"https:\/\/apps.legislature.ky.gov\/record\/26rs\/hb627.html\" target=\"_blank\" rel=\"noopener\">House Bill 627<\/a>\u00a0 (full text <a href=\"https:\/\/apps.legislature.ky.gov\/recorddocuments\/bill\/26RS\/HB627\/HCS1.pdf\" target=\"_blank\" rel=\"noopener\"><strong>here<\/strong><\/a>), Kentucky\u2019s new Personal Injury Protection law, applies only to PIP benefits<strong> issued or renewed on or after July 15, 2026<\/strong>. Merely being injured after July 15 is not enough to invoke the benefits of the new law. If your current policy was issued before July 15, the old law continues to apply until your next renewal, and you will not be entitled to the increased benefits.<\/p>\n<p>Do not simply cancel your current insurance and risk a gap in coverage. Ask your agent to replace or rewrite the policy, confirm the effective date in writing, and make sure the replacement policy is fully bound before the old policy ends. Also verify that the new policy does not reduce your liability, uninsured-motorist, underinsured-motorist, collision, or comprehensive coverage. We have seen a trend of clients cancelling their UIM (underinsured motorist) coverage to save only a few dollars on their premiums. That is almost always a mistake because, in nearly every serious-injury collision, the at-fault driver is underinsured.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/\"  title=\"Continue Reading Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits\" class=\"more-link\">Continue Reading<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss benefit\u2014from $200 to $500 per week\u2014for people who cannot work because of injuries suffered in a motor vehicle collision. But only policies that are newly issued or renewed after July 15, 2026, will include [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":345,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,63,62],"tags":[],"class_list":["post-343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-legal-updates","category-motor-vehicle-injuries"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits &#8212; Kentucky Injury Law News &#8212; July 14, 2026<\/title>\n<meta name=\"description\" content=\"Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss &#8212; July 14, 2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits &#8212; Kentucky Injury Law News &#8212; July 14, 2026\" \/>\n<meta name=\"twitter:description\" content=\"Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss &#8212; July 14, 2026\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.garmerprather.com\/blog\/wp-content\/uploads\/2026\/07\/Kentucky_Capitol.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Garmer &amp; Prather, PLLC\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits &#8212; Kentucky Injury Law News &#8212; July 14, 2026","description":"Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss &#8212; July 14, 2026","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/","twitter_card":"summary_large_image","twitter_title":"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits &#8212; Kentucky Injury Law News &#8212; July 14, 2026","twitter_description":"Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. The number one change is increasing the wage-loss &#8212; July 14, 2026","twitter_image":"https:\/\/www.garmerprather.com\/blog\/wp-content\/uploads\/2026\/07\/Kentucky_Capitol.jpg","twitter_misc":{"Written by":"Garmer &amp; Prather, PLLC","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/#article","isPartOf":{"@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/"},"author":{"name":"Garmer &amp; Prather, PLLC","@id":"https:\/\/www.garmerprather.com\/blog\/#\/schema\/person\/ca8652b1c944189c735c8b2fd1fe621b"},"headline":"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits","datePublished":"2026-07-14T17:20:35+00:00","dateModified":"2026-07-14T17:20:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/"},"wordCount":1381,"image":{"@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/#primaryimage"},"thumbnailUrl":"https:\/\/www.garmerprather.com\/blog\/wp-content\/uploads\/2026\/07\/Kentucky_Capitol.jpg","articleSection":["General","Legal updates","Motor Vehicle Injuries"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/","url":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/","name":"Kentucky\u2019s new PIP law takes effect July 15\u2014but you may need a new policy to receive the better benefits &#8212; Kentucky Injury Law News &#8212; July 14, 2026","isPartOf":{"@id":"https:\/\/www.garmerprather.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/#primaryimage"},"image":{"@id":"https:\/\/www.garmerprather.com\/blog\/kentuckys-new-pip-law\/#primaryimage"},"thumbnailUrl":"https:\/\/www.garmerprather.com\/blog\/wp-content\/uploads\/2026\/07\/Kentucky_Capitol.jpg","datePublished":"2026-07-14T17:20:35+00:00","dateModified":"2026-07-14T17:20:55+00:00","author":{"@id":"https:\/\/www.garmerprather.com\/blog\/#\/schema\/person\/ca8652b1c944189c735c8b2fd1fe621b"},"description":"Beginning tomorrow, significant new benefits become available to many Kentuckians with auto insurance. 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