Frequently Asked Questions

Pursuant to the authority contained in Chapter 304 of the Kentucky Revised Statutes and the duty contained in Subtitle 39, Section 170, the Commissioner of Insurance has promulgated and adopted the Assigned Claims Plan.

Every reparations obligor which qualifies with the Kentucky Department of Insurance to provide basic reparations insurance as security pursuant to KRS Chapter 304, Subtitle 39, shall become and remain a participating member in the Assigned Claims Plan as a condition of its continued approval by the Executive Director as an authorized provider of security for basic reparations insurance in compliance with KRS Chapter 304, Subtitle 39.

All claims received by the Bureau shall be handled through Servicing Insurers.

Upon receipt of notice of a potential claim under the Plan, the servicing insurer receiving the assignment shall act promptly to determine the eligibility of benefits claimed. If the person is found ineligible, notice of ineligibility and the reasons shall be promptly communicated to such person or the legal guardian of that person, with copy to the Assigned Claims Bureau. If the person is determined eligible, benefits required by KRS Chapter 304, Subtitle 39 shall be paid promptly.

The servicing insurer shall have the same rights and obligations in the handling of any assigned claim as if it had issued a policy of basic reparation insurance complying with KRS Chapter 304, Subtitle 39. Each servicing insurer shall be entitled to full reimbursement from the Plan for all amounts paid as benefits pursuant to the Plan, and in addition thereto, shall be paid a handling fee to be set forth in the rules and regulations developed by the Governing Committee.

KRS 304.39-030 (1) “If the accident causing injury occurs in this Commonwealth every person suffering loss from injury arising out of maintenance or use of a motor vehicle has a right to basic reparation benefits, unless he has rejected the limitation upon his tort rights as provided in KRS 304.39-060 (4).”

KRS 304.39-160 (1) “A person entitled to basic reparation benefits because of injury covered by this subtitle may obtain them through the assigned claims plan if…”

  1. Basic reparation insurance is not applicable to the injury for a reason other than those specified in the provisions on converted vehicles and intentional injuries;
  2. Basic reparation insurance applicable to the injury cannot be identified;
  3. Basic reparation insurance applicable to the injury is inadequate to provide the contracted for benefits because of financial inability of a reparation obligor to fulfill its obligations;
  4. A claim for basic reparation benefits is rejected by a reparation obligor for a reason other than that the person is not entitled under this subtitle to the basic reparation benefits claimed.


  • Motorcycle occupants (KRS 304.39-040 (4))
  • Anyone having rejected their tort limitations (KRS 304.39-060 (8))
  • Owner/Occupants (KRS 304.39-160 (4))
  • Converters (KRS 304.39-190)
  • Intentional Injuries (KRS 304.39-200)


  • He intentionally caused or attempted to cause injury to himself or another person, or
  • He was injured while maintaining or using a converted vehicle unless used in the good faith belief that he is legally entitled to do so, or
  • He has rejected or is deemed to have rejected the limitations on his tort rights pursuant to the No-Fault Act;
  • Such person was the owner occupant of the motor vehicle subject to the Kentucky No-Fault Act, which was not insured in accordance with that Act.
  • Such person qualifies for benefits under a policy of insurance or plan of self-insurance that provides benefits required by the
  • Kentucky No-Fault Act, and such benefits have not been denied such person.

The information provided is for reference purposes only, is not intended to be all inclusive and should in no way be construed as all encompassing. Each claim submission is reviewed based on its own merits and the documentation supplied. Plan staff reviews claim applications for preliminary eligibility only and the assigned servicing carrier makes the final determination as to whether the injured party meets coverage and eligibility requirements.

All persons making application for benefits under the Plan shall do so on forms prescribed by the Governing Committee and shall do so within the time limitations prescribed by KRS Chapter 304, Subtitle 39. All applications shall be directed to the Assigned Claims Bureau. Applicants for benefits shall cooperate with the Bureau or the servicing insurer to which the claim is assigned and shall among other things, provide upon request:

  • Full information regarding the accident in which the person was injured.
  • Full information relevant to the eligibility of the person to claim benefits under the Plan.
  • Full information establishing the necessity and reasonableness of medical expense incurred and for which claim is made.
  • Full information establishing the necessity and reasonableness of earnings lost.
  • Full information which would establish the identity and, except for immunity granted by KRS Chapter 304, Subtitle 39, probable legal liability of any person or persons alleged to have been the proximate cause of the accident in which the applicant was injured.

An original, complete, signed and dated Kentucky No-Fault Application and Supplement to the Application for Benefits must be submitted and mailed via US Mail to the Assigned Claims Plan. In addition, the following information will assist in providing timely response to the claim:

  • A complete listing of all group health insurance carriers and any other eligible source for medical payments.
  • Signed medical and wage authorizations.
  • List any and all vehicles owned by the person making application and everyone in the household. If they are insured, list the insurance carrier.

The benefits to which any injured applicant under the Plan is entitled shall be those contained in KRS Chapter 304, Subtitle 39 subject to all applicable deductions, offsets, limitations, or reductions contained therein.

YES. 304.39-160 (3): Except in the case of a claim assigned under subsection (1)(d), If a person receives basic reparation benefits through the assigned claims plan, all benefits or advantages he receives or is entitled to receive as a result of the injury, other than by way of succession at death, death benefits from life insurance, or in discharge of familial obligations of support, are subtracted in calculating net loss.