Kentucky’s prearranged-ride floor is the passenger-carrier seat table, not a $1 million statute
Statutory floor. Kentucky does not set a $1,000,000 liability floor for an ordinary human-driven trip. While the driver is logged on and available, but not engaged in a prearranged ride, the floor is $50,000 / $100,000 / $25,000. KRS 281.655(12). A prearranged ride begins when the driver accepts the request. KRS 281.010(47). During that ride the floor is the passenger-carrier seat table in KRS 281.655(4): $100,000 / $300,000 / $50,000 for 7 regular seats, or $100,000 / $600,000 / $50,000 for 8 or more regular seats. Which column applies depends on the seat count. Whether the driver’s seat counts as a regular seat is not settled. The regulation states the same pre-trip standard as primary automobile liability. 601 KAR 1:113 § 3(2) and § 3(4).
Company policy. A certificate can schedule more than that floor. The purchased number is not the statute. Uber’s accepted-trip policy prints a $1,000,000 combined single limit. Lyft’s Period 2 row prints a $1,000,000 combined single limit, and the Period 3 liability cell is blank. The Lyft form does not define Period 1, Period 2, or Period 3. Read the certificate in force on the date of the accident. The forms are in the certificate section.
First-party benefits. The regulation, not the bond statute, also requires basic reparation benefits, uninsured-vehicle coverage, and underinsured-vehicle coverage in both periods. 601 KAR 1:113 § 3(2) and § 3(4). Basic reparation benefits are capped at $10,000 for all economic loss to one person from one accident. For benefits issued or renewed on or after July 15, 2026, the weekly work-loss cap is $500 and the funeral amount inside medical expense is $5,000. Before that date the weekly figure was $200 and the funeral figure was $1,000. Uninsured coverage is $25,000 / $50,000 unless a named insured rejects it in writing. Underinsured coverage must be made available on request. It is not compulsory. None of those figures steps up because liability did.
Amounts and coverage periods reflect KRS 281.655, KRS 281.010(47), and 601 KAR 1:113 as published on the Legislative Research Commission site (accessed Oct. 3, 2026). The July 15, 2026 figures are in 2026 Ky. Acts ch. 149 and the basic-reparations sections linked below.
Kentucky & the South
The floor is 50/100/25 while the driver is logged on and not in a prearranged ride
Kentucky calls that coverage a pre-trip acceptance liability policy. It is the transportation network company liability insurance for a driver who is logged into the digital network or mobile application but is not engaged in a prearranged ride. KRS 281.010(48).
The regulation’s trigger is slightly more specific than that definition. It applies when the driver “is logged on to the TNC's mobile application and available to receive transportation requests but not engaged in a prearranged ride.” 601 KAR 1:113 § 3(2).
KRS 281.655(12) states the minimum:
“The minimum amount of insurance for pre-trip acceptance liability policies shall be fifty thousand dollars ($50,000) for death and personal injury to one (1) person, one hundred thousand dollars ($100,000) for death and personal injury resulting from one (1) incident, and twenty-five thousand dollars ($25,000) for property damage.”
The regulation calls this primary automobile liability insurance. 601 KAR 1:113 § 3(2)(a). The property-damage figure is $25,000. What is higher than ordinary Kentucky security, before any ride is accepted, is the bodily-injury pair.
Ordinary security, when the transportation network company periods do not apply, is KRS 304.39-110: $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, or a $60,000 single limit for bodily injury and property damage together, plus basic reparation benefits. Those 25/50/25 figures are not the transportation network company floors. The waiting-period property-damage number happens to match the ordinary $25,000 property-damage number. The waiting-period bodily-injury pair is 50/100.
The regulation’s definition list still cites older subsection numbers. The definitions page, effective June 27, 2025, places the prearranged ride at KRS 281.010(47), the pre-trip policy at (48), a regular seat at (53), the company at (69), and the company vehicle at (73).
A prearranged ride uses the passenger-carrier seat table, not a $1 million statute
The same subsection that sets the 50/100/25 pre-trip floor points somewhere else once the ride is prearranged:
“The minimum amount of insurance for prearranged ride liability policies shall be the same as for motor vehicles for the transportation of persons under subsection (4) of this section.”
That is KRS 281.655(12). Subsection (4), under the heading “Motor vehicles for the transportation of persons, including U-Drive-Its,” is the seat table the prearranged-ride sentence uses. The regulation cites it directly: while the driver is engaged in a prearranged ride, primary automobile liability insurance “in the minimum amounts required by KRS 281.655(4).” 601 KAR 1:113 § 3(4)(a). The statute does not say “combined single limit.” It does not say “$1,000,000 for death, bodily injury, and property damage.”
| Capacity | Death or injury to any one person | Total liability for death or injury to persons | Property damage |
|---|---|---|---|
| 7 regular seats | $100,000 | $300,000 | $50,000 |
| 8 or more regular seats | $100,000 | $600,000 | $50,000 |
Those columns are 100/300/50 and 100/600/50. Both columns are in KRS 281.655(4). Which column applies depends on the number of regular seats. Not every prearranged ride is assigned to 100/300/50, and not every larger vehicle is assigned to 100/600/50.
A regular seat is a seat ordinarily and customarily used by one passenger. In determining seating capacity, the manufacturer’s rating may be considered. KRS 281.010(53). A transportation network company vehicle is a privately owned or leased motor vehicle, including a fully autonomous vehicle, designed or constructed with not more than eight regular seats. KRS 281.010(73). The regulation uses different words for the operating cap: at least four doors, and designed to carry no more than eight persons including the driver. 601 KAR 1:113 § 5(8).
Whether the driver’s seat is a regular seat is not answered by the word “passenger” in that definition. Which column of KRS 281.655(4) applies to a particular car is not settled until that car’s regular seats are counted.
The per-person number moves from $50,000 before acceptance to $100,000 after acceptance. The all-persons number moves from $100,000 to $300,000, or to $600,000 if the vehicle has eight or more regular seats. Property damage moves from $25,000 to $50,000. Those are three separate minimums, not one pot. There is no third liability number for “passenger in the vehicle.” The 2015 transportation network company amendment took effect June 24, 2015. The regulation’s current compiled amendments took effect July 6, 2021. The 2024 act that added subsection (13) did not rewrite subsection (12) or the subsection (4) table. The 2026 reparations act did not change the liability table.
Acceptance starts the prearranged ride. The minute services end is not settled
KRS 281.010(47) defines a prearranged ride as the period that begins when a transportation network company driver accepts a requested ride through a digital network or mobile application, continues while the driver transports the rider in a personal vehicle, and ends when the transportation network company services end.
That is not a test keyed to the last requesting rider departing the vehicle. It is not a test that waits for the later of an app completion and finished unloading. Acceptance is the switch into the seat-table floor, including the drive to the pickup. The statute does not clock the minute services end.
Rogers v. Erie Insurance Exchange, No. 2023-CA-0447-MR (Ky. Ct. App. Apr. 19, 2024, to be published), treated a driver who had accepted a ride and was driving to the pickup as already in a prearranged ride. The opinion used the definition number then in effect. The current definition is KRS 281.010(47). The Court of Appeals opinion is linked.
Transportation network company service means a prearranged passenger transportation service offered or provided through the mobile application or digital network to connect potential passengers with drivers. KRS 281.010(72). That definition does not say the service ends when the last rider’s door closes, when the app marks the trip complete, or when the driver logs off.
The minute transportation network company services end is not settled, including an accident after arrival before the rider is out of the car or before the app closes the trip.
If services have ended, and the driver is still logged on and available and has not accepted another ride, the text that fits is the pre-trip policy. The liability floor is again at least 50/100/25. KRS 281.010(48). A street hail is not a prearranged ride. The passenger-service section of 601 KAR 1:113 prohibits street hails and cash.
The statutory cap is $10,000, with a July 15, 2026 change to work loss and funeral expense
Basic reparation benefits are required in both the pre-trip period and the prearranged ride, “in accordance with KRS 304.39-020.” 601 KAR 1:113 § 3(2)(b) and § 3(4)(b). That requirement is in the regulation. It is not a dollar printed in KRS 281.655. Kentucky is a choice no-fault state. These benefits are not medical-payments coverage, and neither current certificate lists a medical-payments limit.
The maximum payable for all economic loss to one person from one accident is $10,000, regardless of the number of persons entitled to the benefits or the number of providers of security obligated to pay them. KRS 304.39-020(2). The 2026 act did not change that sentence. Loss means accrued economic loss consisting only of medical expense, work loss, replacement services loss, and, if injury causes death, survivor’s economic loss and survivor’s replacement services loss. Noneconomic detriment is not loss. Pain and suffering is not a basic reparation benefit.
For benefits issued or renewed on or after July 15, 2026, the weekly cap on work loss, replacement-services loss, and the two survivor’s economic losses is $500, and the funeral amount that can sit inside medical expense is $5,000. KRS 304.39-130; KRS 304.39-020(5)(a); 2026 Ky. Acts ch. 149. The enrolled act shows the prior weekly figure was $200 and the prior funeral figure was $1,000. The act applies to basic and added reparation benefits issued or renewed on or after its effective date. The code pages state that date as July 15, 2026. The act became law without the Governor’s signature on April 14, 2026. It left the $10,000 aggregate in place.
The certificates do not print $10,000, $200, $500, $1,000, or $5,000. Uber’s printed policy period begins March 1, 2026, before July 15, 2026. Lyft’s printed policy period begins October 1, 2026, after that date. If the act’s issued-or-renewed sentence is applied to those inception dates, the $200 weekly cap and the $1,000 funeral figure are the ones that match a benefit issued or renewed on March 1, 2026, and the $500 weekly cap and the $5,000 funeral figure are the ones that match a benefit issued or renewed on October 1, 2026. That is not a dollar printed on either form. The policies’ actual endorsements were not in the certificates. The dollar of basic reparation benefits scheduled on the policies is not printed.
Basic reparation benefits are paid without regard to fault. KRS 304.39-040(1). For a person in a vehicle, the basic reparation insurance that applies is the security covering the vehicle occupied at the time of the accident. For a pedestrian, it is the security covering the vehicle that struck the pedestrian. A pedestrian is a person who is not making use of a motor vehicle when the injury occurs. If the obligor on the vehicle does not pay within thirty days after reasonable proof, the injured person may claim under a basic reparation contract under which he or she is a basic reparation insured, and the paying insurer is entitled to full reimbursement from the obligor on the vehicle. No person shall recover basic reparation benefits from more than one reparation obligor for the same accident, aside from the exception KRS 304.39-050 names, or in excess of $10,000 for the same accident.
How two in-force basic reparation policies rank against each other, beyond that occupied-vehicle rule and the $10,000 cap, is not settled. The regulation’s first-dollar sentence, below, is about coverage that has lapsed or does not provide the required coverage. It is not a ranking of two live basic reparation policies.
Pain and suffering is a separate tort gate
Tort liability for a Kentucky motor-vehicle accident is abolished to the extent basic reparation benefits are payable, or would be payable but for a deductible. In an action against the owner, registrant, operator, or occupant of a secured motor vehicle, pain, suffering, mental anguish, and inconvenience may be recovered only if the medical expense exceeds $1,000, or the injury or disease consists in whole or in part of permanent disfigurement, a fracture to a bone, a compound, comminuted, displaced, or compressed fracture, loss of a body member, permanent injury within reasonable medical probability, permanent loss of bodily function, or death. KRS 304.39-060(2). A liability limit on a certificate, whatever the number, does not itself pay that pain and suffering.
A person may refuse those limitations. The rejection has to be in writing or electronic, on the Department of Insurance form, and filed with the department before the accident. No person who has rejected the tort limitations may collect basic reparation benefits, except as the statute itself provides. KRS 304.39-060. A person who, at the time of the accident, does not have basic reparation insurance, has not formally rejected, and has security equivalent to KRS 304.39-110, is deemed to have rejected the limitations for that accident only. A person injured by an operator who has a rejection on file may claim full damages, including nonpecuniary damages.
Uninsured coverage is 25/50 unless rejected in writing. Underinsured coverage is available on request
The regulation requires, in both the pre-trip period and the prearranged ride, uninsured-vehicle coverage in accordance with KRS 304.20-020, and underinsured-vehicle coverage in accordance with KRS 304.39-320. 601 KAR 1:113 § 3(2)(c), § 3(2)(d), § 3(4)(c), and § 3(4)(d). Those incorporations do not step up because liability did.
$1,000,000 of liability is not $1,000,000 of uninsured or underinsured coverage. $300,000 of liability is not $300,000 of uninsured or underinsured coverage. The 100/300 bodily-injury cells in the seat table are not an uninsured limit and they are not an underinsured limit.
Uninsured coverage, under KRS 304.20-020, is bodily-injury coverage at the limits in KRS 304.39-110: $25,000 for one person and $50,000 for two or more persons in one accident, unless a named insured rejects it in writing. The rejection is valid for all insureds under the policy. The uninsured statute says limits for bodily injury or death. It does not require uninsured-motorist property damage. It does not say the uninsured limit must equal the liability limit of the policy. Higher uninsured coverage can be sold. Absent a written rejection, the compulsory offer is 25/50, not 50/100, and not whatever liability limit the company bought.
Underinsured coverage is a different statute. KRS 304.39-320 says every insurer shall make underinsured motorist coverage available upon request. It sets no dollar. It does not make the coverage compulsory. An underinsured motorist, in that statute, is a party whose liability coverage is less than a judgment recovered against that party. That is not the uninsured statute’s minimum-limits test. Amendments effective April 2, 2024 changed credit and settlement mechanics. They did not turn underinsured coverage into compulsory coverage.
Rogers v. Erie Insurance Exchange, No. 2023-CA-0447-MR (Ky. Ct. App. Apr. 19, 2024, to be published), held that the regulation’s underinsured cross-reference is not a duty to buy underinsured coverage when it has not been requested. The court quoted KRS 304.39-320(2) and said underinsured coverage must only be made available upon request. The driver had accepted a request and was driving to the pickup. The opinion is not a reading of the current certificates. It is not a holding that uninsured coverage under KRS 304.20-020 is optional. It does not fill a dollar onto either form. RideClaim.co’s account of that opinion is A Kentucky Lyft Driver Was Hurt on the Way to a Pickup. Why Neither Policy Paid Underinsured Benefits.
The Uber certificate says uninsured and underinsured coverage “is not included in any amount” on both the waiting policy and the accepted-trip policy. Whether that printed sentence is a valid written rejection by the named insured under KRS 304.20-020, and whether these policies are the kind of policy that section’s delivery sentence covers, is not settled. So it is not settled whether the company provides uninsured coverage of $25,000 / $50,000.
The Lyft certificate does not mention uninsured or underinsured coverage. Silence on that form is not a printed rejection, and it is not a printed limit. Lyft’s current uninsured limit and Lyft’s current underinsured limit are not settled from the certificate.
A personal automobile policy may exclude uninsured and underinsured coverage while the driver is logged on or providing a prearranged ride. 601 KAR 1:113 § 4(1)(c). Rogers enforced one personal-policy underinsured exclusion that applied while the vehicle was hired or available for hire, including a driver who was only on the way to the pickup. That was one form. It is not a finding about every personal policy. The transportation network company statute does not contain a sentence that preserves a rider’s own uninsured coverage as additional recovery beyond the company coverage.
If an underinsured claim actually exists, KRS 304.39-320 states a thirty-day written notice before a liability settlement that would leave an underinsured claim, and a credit, amended effective April 2, 2024, for the underinsured motorist’s liability limits. That mechanic does not create underinsured coverage a certificate does not schedule. Stacking is not addressed in KRS 304.20-020 or KRS 304.39-320.
If the driver’s coverage lapses or falls short, the company covers from the first dollar
The lapse rule is in the regulation, not in the bond statute:
“If the insurance maintained by a TNC driver has lapsed or does not provide the required coverage, the TNC shall provide the required insurance coverage beginning with the first dollar of a claim. The TNC shall have the duty to defend a claim for damages.”
601 KAR 1:113 § 3(6). Coverage under an automobile insurance policy maintained by the company shall not be dependent on a personal automobile insurer or policy first denying a claim. 601 KAR 1:113 § 3(7).
“The required coverage” in that period is the statutory liability floor, basic reparation benefits in accordance with KRS 304.39-020, uninsured-vehicle coverage in accordance with KRS 304.20-020, and underinsured-vehicle coverage in accordance with KRS 304.39-320. The first-dollar sentence does not promise every extra limit a certificate prints above the floor. It does not fill a certificate row that omits a liability dollar. It does not convert a certificate that says uninsured and underinsured coverage is not included into a purchased uninsured policy. It applies when the driver’s policy does not provide the required coverage, not only when the policy is missing.
The requirement in each period may be satisfied by insurance maintained by the company, by the driver, or by a combination. 601 KAR 1:113 § 3(3) and § 3(5). The company shall maintain primary automobile insurance that recognizes that the driver is a transportation network company driver, or is using a vehicle to transport passengers for compensation, and that covers the driver while logged on or while engaged in a prearranged ride. 601 KAR 1:113 § 3(1).
How two in-force policies that both meet the floor share a liability loss is not settled. The regulation does not state a pro rata formula for that case, and it does not state an excess-only formula for that case. A different sentence gives a personal insurer that defends or indemnifies an excluded claim a right of contribution against other insurers that provide automobile insurance to the same driver. 601 KAR 1:113 § 4(5). That contribution sentence is not a split between two policies that both meet the floor.
A personal automobile insurer may exclude, while the driver is logged on or providing a prearranged ride, liability coverage for bodily injury and property damage, personal injury protection coverage as established in KRS Chapter 304, uninsured and underinsured motorist coverage, medical payments coverage, comprehensive physical damage coverage, and collision physical damage coverage. 601 KAR 1:113 § 4(1). Nothing in the regulation requires a personal insurer to cover those periods. Nothing precludes an insurer from covering them by its own contract. 601 KAR 1:113 § 4(2) and § 4(3). An insurer whose policy excludes the transportation network company vehicle or driver has no duty to defend or indemnify that excluded claim. 601 KAR 1:113 § 4(4).
Whether a logged-off personal trip can be denied only because the car is sometimes used for transportation network company service is not settled. No statute states that rule. The exclusion permission in § 4(1) is for logged-on use and for a prearranged ride. While the driver is logged off, the registered owner still needs the security in KRS 304.39-110. The regulation does not say the company policy keeps the vehicle legal during personal use.
Pre-trip and prearranged-ride policies may be issued by an eligible surplus lines insurer. KRS 281.655(12). The regulation allows placement with an insurer licensed under KRS 304.3-070, or with a surplus-lines insurer eligible under KRS 304.10-010 through 304.10-070. 601 KAR 1:113 § 3(8). Neither text states a financial-strength rating. The passenger-service section of the regulation says the company shall not require a hold-harmless or indemnification clause in the terms of service that may be used to evade the insurance requirements of the regulation and KRS Chapter 281.
What the current certificates print, and what they do not
A certificate is evidence of insurance, not the statute. Kentucky’s statute has two liability periods. It does not have three. A purchased combined single limit above the seat table is the company’s form. It is not proof that the statute requires that number. The two certificates below are not the same filing.
Uber: United Financial Casualty Company
The file linked from the Kentucky entry on the company’s certificates list is issued by United Financial Casualty Company, NAIC 11770. The certificate face does not print the word Kentucky. The state name is the index entry, not a word on the form. The dates below are the dates printed on the forms. Certificate numbers on the forms are blank.
| Policy | Dates printed | Liability printed | Other lines printed |
|---|---|---|---|
| 06258171 | Certificate date March 1, 2026. Policy period March 1, 2026 through March 1, 2027. | $50,000 bodily injury per person, $100,000 bodily injury per accident, $25,000 property damage per accident. | Basic personal injury protection included as further described in the policy, with no dollar. Uninsured and underinsured coverage is not included in any amount. No comprehensive or collision schedule on this policy. |
| 06258582 | Same certificate date and the same policy period. | $1,000,000 combined single limit. The per-person, per-accident, and property-damage cells on that row are blank. | The same basic personal injury protection sentence, with no dollar. The same statement that uninsured and underinsured coverage is not included in any amount. Comprehensive and collision, actual cash value, $2,500 and $2,500. |
Policy 06258171 describes an auto operated by a driver who is logged on and available to receive requests but has not accepted a request. Policy 06258582 describes an auto when the driver is logged on, has recorded acceptance, and is either traveling to the pick-up location or traveling from the pick-up location to the final destination location. The $1,000,000 combined single limit is what this certificate schedules for that accepted-trip use. It is not the statutory floor. The form does not print 100/300/50, and it does not print 100/600/50. Whether a $1,000,000 combined single limit, with no lower sub-limit printed on the certificate, satisfies each cell of KRS 281.655(4) is a policy question. The certificate shows the $1,000,000 figure. It does not show the split.
Whether the accepted-trip wording, “traveling from the pick-up location to the final destination location,” covers the time after the car has stopped, while the rider is still in it or while the driver is waiting for the trip to close, is not answered on the certificate. That wording is not the statute’s “when the transportation network company services end.”
Comprehensive and collision are on policy 06258582 only. The remarks do not say that physical damage is contingent on the driver carrying personal comprehensive and collision. They do not attach the physical-damage schedule to waiting policy 06258171. They do not print a basic reparation dollar. Certificate PDF, United Financial Casualty Company.
Lyft: Mobilitas Insurance Company
The current certificate is issued by Mobilitas Insurance Company, NAIC 16392. The automobile rows are marked for insurer B. Insurer A on the form is marked N/A. The face says “Evidence of Insurance Only for the State of KY.” The certificate date is August 13, 2026. The certificate number is SEA-004219063-07. The printed policy period is October 1, 2026 through October 1, 2027. As of October 3, 2026, that period has started.
| Policy | Label on the form | Liability printed | Physical damage |
|---|---|---|---|
| KYBA1T6624548270 | Period 1 | $50,000 bodily injury per person, $100,000 bodily injury per accident, $25,000 property damage. The combined-single-limit cell is blank. | Not named in the physical-damage remark. |
| KYBA2T6624548270 | Period 2 | $1,000,000 combined single limit. No split bodily-injury or property-damage figure is printed on that row. | Included, with Period 3. |
| KYBA3T6624548270 | Period 3 | $2,500 auto-physical-damage deductible. The row prints that deductible and no liability dollar. |
The liability line for policy KYBA3T6624548270 is blank. The only $1,000,000 combined single limit on the current page sits on the Period 2 row. That purchased Period 2 limit is not the statutory floor either. The form does not print the seat table.
The certificate for October 1, 2025 through October 1, 2026 printed a $1,000,000 combined single limit on Period 3. That policy year ended October 1, 2026. Last year’s Period 3 figure is not on the current form, and it is not the current limit.
The certificate does not define Period 1, Period 2, or Period 3. Period 1 prints the same 50/100/25 split as the pre-trip statutory floor, and Period 2 prints a $1,000,000 combined single limit that does not match the seat table. Those numerical facts are not period labels. The form does not tie Period 1, Period 2, or Period 3 to logged-on time, the drive to the pickup, or time with a passenger in the car. Which label matches which statutory period is not settled. The liability dollar, if any, on policy KYBA3T6624548270 is not settled from this form, because the form does not print one.
The remarks say all automobile policies evidenced include personal injury protection (reparations benefits), with no dollar. Physical damage is provided under the Period 2 and Period 3 policies, at actual cash value or the cost of repair, whichever is less, less the $2,500 deductible. The remarks do not say that physical damage is contingent on the driver’s own comprehensive and collision. They do not mention uninsured coverage, underinsured coverage, or a medical-payments dollar. Current certificate PDF, Mobilitas Insurance Company.
The fully autonomous vehicle floor is a different rule
KRS 281.655(13), effective July 15, 2024, is a different floor: a fully autonomous vehicle operating under a certificate issued under Chapter 281 shall have on file bonds or policies of at least $1,000,000 of total liability for death or injury to persons resulting from any one accident, and $1,000,000 for property damage. That subsection is not the human-driver rule and does not govern an ordinary trip.
Check Louisville, Lexington, and airport rules before relying on a different dollar
Check with a Kentucky attorney or the Louisville and Lexington codes before relying on a city liability dollar different from KRS 281.655. KRS 281.635 gives qualifying cities concurrent supervisory power over taxicabs, limousines, and disabled-persons vehicles. It does not name a transportation network company certificate as a vehicle those cities may insure at a different dollar. Subsection (4) requires the driver to possess a valid operator’s license. That is a license sentence.
Louisville’s vehicle-for-hire bond section is a taxicab schedule. It does not mention a transportation network company, and it is not KRS 281.655. Louisville Metro Code § 115.254.
Section 712 of the Louisville Regional Airport Authority regulations compilation revised July 1, 2026 states no liability dollar for transportation network company operators. A trip fee of $2.00 for each trip to the airport to pick up passengers is a fee, not coverage. Whether regulation 608(A)(1)(c)’s $1,000,000 figure for commercial activity outside the air-operations area is an extra transportation network company minimum is not settled. Section 712 states no dollar. Section 608(A)(1)(e) points ground-transportation operators to the single-limit amounts set forth by the Commonwealth. Louisville airport regulations, July 1, 2026 compilation.
Blue Grass Airport’s public ground-transportation page states no liability dollar. Blue Grass Airport ground transportation.
What has to be shown before anyone can name the policy
In a claims-coverage investigation, the company and an insurer potentially providing coverage shall cooperate to exchange the name of the driver’s insurer, the precise times the driver logged off and on in the twelve hours immediately before and after the incident, and a complete description of the coverage, including exclusions and limits. 601 KAR 1:113 § 4(6) and § 4(7). On request after an accident, the driver shall give proof of coverage to interested parties, automobile insurers, and investigating police officers, and shall disclose whether he or she was logged on or on a prearranged ride. 601 KAR 1:113 § 3(9) and § 3(10).
- App status at the minute of the accident: logged off, logged on and available, or already accepted. Acceptance is the statutory switch. The end of the seat-table period is when transportation network company services end, which the statute does not reduce to one click.
- How many regular seats the vehicle has. The manufacturer’s rating may be considered. The driver’s seat is not a settled count.
- Whether the injured person was occupying, entering, or alighting from a motor vehicle, which is use of a motor vehicle for basic reparation benefits, subject to the exceptions in KRS 304.39-020(6). A pedestrian is paid from the security on the vehicle that struck him or her.
- Whether the injured person, and whether the operator, had a no-fault rejection on file with the Department of Insurance before the accident.
- Medical expense, and whether the injury is on the KRS 304.39-060(2) list. The pain-and-suffering gate is $1,000 of medical expense or a listed injury.
- The security covering the vehicle occupied, and any basic reparation contract under which the injured person is a basic reparation insured. The $10,000 cap is per person, per accident.
- The driver’s personal policy, including any transportation network company, livery, or available-for-hire exclusion, and whether that policy was in force.
- The company certificate for the date of the accident, not a prior policy year. The prior Lyft form’s Period 3 liability dollar is not the current form.
- For an underinsured claim that actually exists: the at-fault liability limits, any proposed settlement, and the thirty-day notice to underinsured insurers. None of that creates coverage the certificate does not schedule.
When more than one party is at fault, KRS 411.182 allocates fault by percentage. The statute took effect July 15, 1988. It has no 50 percent bar and no 51 percent bar. It is not a contributory-negligence rule.
A motor-vehicle tort claim that KRS 304.39-060 has not abolished may be brought within two years after the injury, the death, or the last basic or added reparation payment, whichever is later. KRS 304.39-230(6). The general one-year personal-injury statute, KRS 413.140(1)(a), is the wrong clock for that claim.
The seat table and the certificate are not the same number
Start with app status at impact, then the regular-seat count, then the certificate in force that day. The prearranged-ride floor is the passenger-carrier seat table. A combined single limit a company buys above that table is not the statute.