08/13/2026
If you didn’t know ….now you know. Don’t be left with old PIP coverage on your Auto Insurance Policy.
Kentucky House Bill 627 (HB 627) updates the state’s **Personal Injury Protection (PIP)** laws for auto insurance policies. PIP pays out quickly after a car accident for medical bills, lost wages, and related expenses, regardless of who caused the crash.
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# # # What HB 627 Means for You
The bill increases key reimbursement caps that had been outdated, providing better financial protection if you are injured in a vehicle accident.
* **Lost Wages Reimbursement:** The weekly cap for lost income increases from **$200 to $500 per week** (covering up to 85% of your average weekly wage).
* **Replacement Services:** The weekly allowance for essential services you can no longer perform yourself (like child care or housework) increases from **$200 to $500 per week**.
* **Funeral & Burial Expenses:** The maximum benefit increases from **$1,000 to $5,000**.
* **Overall PIP Cap:** The standard total PIP limit remains **$10,000**, but HB 627 allows you to draw down those funds significantly faster when compensating for lost income.
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# # # How to Make Sure It Applies to Your Policy
The new benefits **do not automatically apply** simply because an accident happens after the law's effective date (July 15, 2026). The updated terms only attach to auto policies **issued or renewed on or after July 15, 2026**.
If your policy was issued or renewed before July 15, 2026, you will remain under the older, lower benefit caps until your policy naturally renews.
**Steps to get HB 627 coverage now:**
1. **Contact Your Auto Insurance Agent/Provider:** Call or email your insurer and ask to **rewrite or replace** your current policy so its effective date is on or after July 15, 2026.
2. **Avoid Coverage Gaps:** Request a seamless transition—ensure your replacement policy is fully bound and effective before canceling or rewriting your existing plan.
3. **Get Written Confirmation:** Ask for a declarations page or written endorsement confirming that your policy reflects the updated PIP statutory limits under HB 627.
4. **Verify Total Coverage:** Double-check that rewriting the policy doesn't accidentally reduce or drop any of your other existing coverage, such as collision, comprehensive, or bodily injury liability limits.
