MVA and home improvement leads in Kentucky
MVA and home improvement leads in Kentucky come from a choice no-fault system: tort limits apply unless a person rejects them in writing before an accident. Kentucky uses pure comparative fault, and suits have two years from the injury or the last no-fault benefit payment, whichever is later. Summit Leads covers Kentucky, exclusive by default.
Kentucky had 4,606,864 residents in the Census Bureau estimate for July 1, 2025. Its motor vehicle law is a choice no-fault system: drivers are deemed to accept limits on their tort rights unless they file a written rejection before any accident. Kentucky housing is owner-occupied at a rate of 68.3%, and half of its housing units were built in 1982 or earlier. This page sets out how those rules shape Kentucky lead filters.
Summit Leads supplies home improvement and MVA leads in Kentucky and checks for an active supplier there before a test. Buyers set filters down to the ZIP code. MVA and home improvement leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Kentucky lead supplyAlso available in Kentucky: plumbing leads, kitchen remodeling leads, home security leads, pest control leads, fencing leads and debt settlement leads.
Kentucky MVA leads: choice no-fault, the tort threshold and the PIP clock
Under KRS 304.39-060, anyone who registers, operates or uses a motor vehicle on Kentucky roads is deemed to have accepted the no-fault provisions of the Motor Vehicle Reparations Act. Tort liability is abolished to the extent basic reparation benefits are payable. The same section lets any person refuse those limits, in writing or electronically on a form prescribed by the Department of Insurance, filed before any accident. That choice is why Kentucky is described as a choice no-fault state, and why a buyer may want to know whether the claimant or the other driver had rejected the limits.
For a claimant who kept the no-fault limits, a claim for pain and suffering against the other driver depends on the threshold in KRS 304.39-060(2)(b). Medical expenses must pass an amount set in the statute, or the injury must be 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. A broken bone clears it alone. Injury type and treatment status are the two lead fields that speak to it.
Timing in Kentucky car accident claims follows KRS 304.39-230(6): a tort action not abolished by the no-fault law may be commenced not later than two years after the injury, the death, or the date of the last basic or added reparation payment, whichever occurs later. Because the clock can restart with each PIP payment, accident date alone does not fix the deadline, but buyers still set an accident age limit so a firm has time to work the file.
Fault is apportioned under KRS 411.182, which has the jury find the damages each claimant would recover if contributory fault were disregarded and the percentage of total fault of each party. Kentucky has applied pure comparative fault since Hilen v. Hays (1984), so a partly at-fault claimant is not barred, and the award is reduced by the claimant's share. Liability fields (police report, citations, rear-end or not) let each law firm client set its own limit.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages. How bought leads fit next to a firm's other 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 channels is covered in attorney lead generation.
Kentucky home improvement leads: 68.3 percent owners and roofing rules
The Census Bureau puts the Kentucky owner-occupied housing unit rate at 68.3% for 2020-2024, and the median year structure built is 1982 in the ACS 5-year estimates for 2020-2024. Homeowner confirmation still screens out renters, and buyers choose project types (roofing, siding and gutters, windows, bathroom renovation, flooring) and then the ZIP codes their contractor clients serve.
Kentucky has no state license for roofing contractors. House Bill 150 of the 2026 session, which would have required one through the Department of Housing, Buildings and Construction, was sent to the House licensing committee in January 2026 and was not enacted. Two consumer statutes do apply. KRS 367.420 lets a buyer cancel a home solicitation sale until midnight of the third business day after signing. KRS 367.622, as amended in 2025, lets a homeowner who signs a repair or construction contract tied to an insurance claim cancel before midnight of the fifth business day after the insurer gives written notice that all or part of the claim is not covered. Roofing buyers working storm claims should factor both into their contractor clients' sales process.
Project types and filters are listed on the home improvement leads and roofing leads pages. To compare suppliers on the same basis, work out your cost per lead; the lead generation guide explains how the rest of the industry fits together.
Consent records for Kentucky leads
Each lead carries its 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 (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Kentucky leads are delivered with a consent record captured to the federal TCPA standard: the opt-in wording shown to the consumer, the timestamp, the IP address and the page URL. A buyer that sends a Kentucky lead on to a law firm or a contractor can send the record with it, so the party placing the call holds its own proof of consent.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
State telemarketing rules for Kentucky are in the state telemarketing laws table.
Kentucky facts for 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)KRS 304.39-060, Acceptance or rejection of partial abolition of tort liability Kentucky Legislature |
| No-fault rejection | Filed with the Department of Insurance on a prescribed formKentucky No-Fault Rejection Form Kentucky Department of Insurance |
| Tort threshold | Medical expenses above the statutory threshold, or permanent disfigurement, a bone fracture, loss of a body member, permanent injury, permanent loss of bodily function or deathKRS 304.39-060, Acceptance or rejection of partial abolition of tort liability Kentucky Legislature |
| Personal injury statute of limitations | Two years after the injury, death or last reparation payment, whichever is later (KRS 304.39-230(6))KRS 304.39-230, Limitations of actions Kentucky Legislature |
| Comparative fault rule | Pure comparative fault; fault apportioned by percentage (KRS 411.182)KRS 411.182, Allocation of fault in tort actions Kentucky Legislature |
| Contractor licensing | No state roofing contractor license; 2026 HB 150, which proposed one, was not enacted2026 Regular Session, HB 150 (roofing contractors) Kentucky Legislature |
| Home solicitation cancellation | Until midnight of the third business day after signing (KRS 367.420)KRS 367.420, Buyer's right to cancel home solicitation sale Kentucky Legislature |
| Insurance claim repair contracts | Cancel before midnight of the fifth business day after written notice the claim is not covered (KRS 367.622)KRS 367.622, Right to cancel real estate goods or services contract Kentucky Legislature |
| Population | 4,606,864 (July 1, 2025, Vintage 2025 estimate)QuickFacts: Kentucky U.S. Census Bureau |
| Owner-occupied housing unit rate | 68.3% (ACS 2020-2024)QuickFacts: Kentucky U.S. Census Bureau |
| Median year structure built | 1982 (ACS 5-year 2020-2024)Table B25035, Median Year Structure Built: Kentucky (ACS 5-Year 2020-2024) U.S. Census Bureau |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Kentucky lead buying questions
Is Kentucky a no-fault state?
Kentucky is a choice no-fault state. Under KRS 304.39-060, drivers are deemed to accept limits on tort claims in exchange for basic reparation benefits, but any person may reject those limits in writing on a Department of Insurance form filed before an accident.
When can a Kentucky crash victim sue for pain and suffering?
For a person under the no-fault limits, when medical expenses pass the threshold in KRS 304.39-060(2)(b), or the injury is permanent disfigurement, a bone fracture, loss of a body member, permanent injury, permanent loss of bodily function or death.
How long do Kentucky accident victims have to file suit?
KRS 304.39-230(6) allows two years after the injury, the death, or the last basic or added reparation payment, whichever is later. Buyers still set an accident age limit so the firm has time to work the case.
Can a partly at-fault Kentucky claimant recover?
Yes. Kentucky applies pure comparative fault, with fault apportioned by percentage under KRS 411.182, so the claimant's share reduces the award rather than barring the claim.
Do Kentucky roofing contractors need a state license?
No state roofing license exists. A 2026 bill to create one, House Bill 150, was not enacted. Kentucky consumers can cancel a home solicitation sale until midnight of the third business day after signing under KRS 367.420.
Can we buy Kentucky leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in Kentucky, with a check for an active supplier there before a test, and buyers choose the states or ZIP codes they buy in, with homeowner status as a standard home improvement filter.
Request Kentucky lead supply
Tell us the verticals you buy in Kentucky, the ZIP codes you cover, your daily volume 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 discussed on the onboarding call and agreed before going 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