Kentucky car accident leads
Summit Leads supplies car accident leads in all U.S. states, Kentucky included, by real-time ping/post, exclusive by default, with ZIP code filters. Kentucky is a choice no-fault state, and a claimant who kept the tort limits can sue for pain and suffering only past the $1,000 medical expense threshold in KRS 304.39-060 (2026) or a listed injury.
- Founded in 2025
- 40+ national buyer and supply partners
- All U.S. states
- Exclusive by default
Kentucky facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Choice no-fault: tort limits apply unless rejected in writing before an accident (KRS 304.39-060(4), version effective July 15, 2010)KRS 304.39-060, Acceptance or rejection of partial abolition of tort liability Kentucky Legislature |
| Basic reparation benefit limit | $10,000 for all economic loss from injury to one person in one accident (KRS 304.39-020(2), version effective July 15, 2026)KRS 304.39-020, Definitions for subtitle Kentucky Legislature |
| Tort threshold | Medical expense over $1,000, or a listed injury such as a bone fracture (KRS 304.39-060(2)(b), 2026)KRS 304.39-060, Acceptance or rejection of partial abolition of tort liability Kentucky Legislature |
| Minimum liability coverage | $25,000 per person and $50,000 per accident for bodily injury, $25,000 property damage, or a $60,000 single limit (KRS 304.39-110(1), version effective June 29, 2017)KRS 304.39-110, Required minimum tort liability insurance Kentucky Legislature |
| Tort suit deadline | Two years after the injury, the death or the last basic or added reparation payment, whichever is later (KRS 304.39-230(6), 2026)KRS 304.39-230, Limitations of actions Kentucky Legislature |
| Benefits claim deadline with no payment made | Two years after the loss is known to be caused by the accident, or four years after the accident, whichever is earlier (KRS 304.39-230(1), 2026)KRS 304.39-230, Limitations of actions Kentucky Legislature |
| Fault allocation | By percentage of total fault for each party (KRS 411.182, version effective July 15, 1988)KRS 411.182, Allocation of fault in tort actions Kentucky Legislature |
| Traffic fatalities | 814 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| People injured in crashes | 29,964 on public roads in 2023 (Kentucky State Police Crash Facts 2023)Kentucky Crash Facts 2023 (Report KTC-25.05) Kentucky State Police |
| Lawyer advertising rules | SCR 3.130(7.10), (7.15) and (7.20), with solicitation in SCR 3.130(4.5) (Kentucky Bar Association list, checked October 7, 2026)Advertising Rules, SCR 3.130(7.01) to (7.60) Kentucky Bar Association |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Basic reparation benefits, the opt-out and the $1,000 line
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The figure that shapes most Kentucky files is $1,000. Under KRS 304.39-060(2)(b) (2026 Kentucky Revised Statutes), a person who kept the no-fault limits may recover for pain, suffering, mental anguish and inconvenience only if medical expense benefits for the injury exceed $1,000, or the injury includes permanent disfigurement, a fracture to a bone, loss of a body member, permanent injury within reasonable medical probability, permanent loss of bodily function, or death.
Below that line, the claimant's own basic reparation benefits pay. KRS 304.39-020(2) (version effective July 15, 2026) caps those benefits at $10,000 for all economic loss from injury to one person in one accident.
Section 304.39-060(2)(c) leaves two groups outside the tort limits: people who are not owners, operators, maintainers or users of a motor vehicle, and motorcycle passengers. Subsection (4) lets anyone reject the limits on a Department of Insurance form filed before the accident. The claimant's role in the crash and any rejection on file tell a buyer which rules apply.
Kentucky deadlines run from the last benefit payment
Kentucky ties its tort deadline to the no-fault payments. KRS 304.39-230(6) (version effective June 29, 2017) allows a tort action not abolished by section 304.39-060 to be brought within two years after the injury, the death, or the last basic or added reparation payment, whichever is later.
Benefit claims have their own clock. Under subsection (1) of the same statute, if no benefits have been paid, an action for them must start within two years after the person knows the loss was caused by the accident, or four years after the accident, whichever is earlier.
Fault is split by percentage. KRS 411.182 (version effective July 15, 1988) has the jury find the damages each claimant would recover if contributory fault were disregarded, and the percentage of total fault allocated to each claimant, defendant, third-party defendant and released person.
Buyers capture the accident date and the last benefit payment date for the deadline, and fault answers so each firm can apply its own percentage tolerance.
Minimum liability security in Kentucky
KRS 304.39-110(1) (version effective June 29, 2017) gives owners two ways to meet the liability requirement. Split limits must be at least $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons in one accident and $25,000 for property damage. A single limit policy must be at least $60,000 for all damages from one accident. Either way, the policy must also include basic reparation benefits.
Firms often ask the intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary form whether the other driver was insured, since a claim over the KRS 304.39-060 (2026) threshold of $1,000 is paid from that driver's liability policy.
Traffic deaths and injuries in Kentucky
For 2023, the most recent year treated as final, NHTSA's Fatality Analysis Reporting System state table records 814 people killed in Kentucky traffic crashes. It counts deaths only, not injury crashes.
The Kentucky State Police Crash Facts report for 2023 lists 29,964 people injured on public roads that year.
Kentucky Supreme Court rules on lawyer advertising
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Lawyer advertising in Kentucky falls under the Rules of the Supreme Court, SCR 3.130, which the Kentucky Bar Association lists on its advertising rules page (checked October 7, 2026). The rules on that list most relevant to a firm buying car accident leads:
- SCR 3.130(7.10), Communications concerning a lawyer's service.
- SCR 3.130(7.15), Advertising of fees.
- SCR 3.130(7.20), Advertising.
- SCR 3.130(4.5), Solicitation of clients (formerly 7.09).
On payment for referrals, KBA Ethics Opinion E-429 (June 17, 2008) quoted Rule 7.20(2), which bars giving "anything of value to a non-lawyer for recommending the lawyer's services," apart from the reasonable cost of advertising. This page names the rules only; how they apply to a given lead program is for the buying firm and its counsel.
What buyers in Kentucky filter on
The Kentucky statutes above point to these lead fields:
- Injury and treatment: a fracture or other listed injury, or medical bills past the figure in section 304.39-060(2)(b).
- Role in the crash: pedestrian or motorcycle passenger claims sit outside the tort limits.
- Accident date and last benefit payment: both feed the deadline in section 304.39-230(6).
- Fault answers: read against the percentage allocation in KRS 411.182.
- Representation status: filters out claimants who already have counsel.
- ZIP code: buyers choose the ZIP codes their firms cover.
Where buyers filter in Kentucky
Three of the six largest metro areas that reach into Kentucky also cross a state line, so a buyer that wants only Kentucky claimants sets ZIP codes rather than metro names. The Census Bureau's July 1, 2025 estimates for those six areas are below.
- Louisville/Jefferson County, KY-IN: 1,402,509 (July 1, 2025 estimate, whole metro area)
- Cincinnati, OH-KY-IN: 2,312,858 (July 1, 2025 estimate, whole metro area)
- Lexington-Fayette: 535,174 (July 1, 2025 estimate)
- Huntington-Ashland, WV-KY-OH: 365,965 (July 1, 2025 estimate, whole metro area)
- Bowling Green: 197,180 (July 1, 2025 estimate)
- Elizabethtown: 128,666 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Kentucky car accident leads
A TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record travels with every Kentucky car accident lead. For Kentucky's own telemarketing rules, see its row in the state telemarketing laws table; the combined MVA and home improvement overview is at leads in Kentucky.
Kentucky car accident lead questions
Does a broken bone get a Kentucky claimant past the no-fault limits?
Yes. KRS 304.39-060(2)(b) (2026) lists a fracture to a bone among the injuries that allow a pain and suffering claim, alongside medical expense benefits above $1,000. This is general information, not legal advice.
What liability limits must a Kentucky driver carry?
Under KRS 304.39-110(1) (version effective June 29, 2017), $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage, or a $60,000 single limit, with basic reparation benefits included.
Can a buyer take Kentucky car accident leads only from the Kentucky side of Louisville or Cincinnati?
Yes. Filters go down to the ZIP code, so a buyer can take Kentucky ZIP codes in a metro area that crosses into Indiana or Ohio and leave the rest. Leads are exclusive by default.
Request Kentucky car accident leads
Email us the Kentucky ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
Generating leads instead? Sell your leads