HB 416 Kentucky House · 2025 Regular Session

AN ACT relating to basic and added reparation benefits.

Summary
Amend KRS 304.39-020 to modify requirements for medical expenses submitted pursuant to the Motor Vehicle Reparations Act; amend KRS 304.39-210 to establish requirements for reparations obligors paying medical expenses and persons submitting and collecting on medical expenses.
Bill status passed 3 of 5 stages cleared
Introduction
Feb 2025
Committee Review
Mar 2025
House Passage
Mar 2025
Senate Passage
Governor
Introduced Feb 11, 2025 Last action Mar 5, 2025
Maddy AI version diff · 1 comparison

What changed between versions

Introduced Current/Final · 5 edits
MODERATE
This bill amends Kentucky's automobile insurance law by updating definitions of reparation benefits and increasing the maximum funeral expense reimbursement from $1,000 to $5,000. The changes clarify how basic and added reparation benefits are calculated and ensure funeral costs are better covered for families affected by vehicle accidents.
Scope change
The bill applies to all Kentucky motor vehicle insurance policies covering basic and added reparation benefits, affecting how claims are processed and paid out.
DEFINITION

Updated the definition of 'Basic reparation benefits' to clarify that they cover economic losses from vehicle accidents, including medical expenses, lost work income, and replacement services.

Revised the definition of 'Loss' to explicitly state that non-economic damages like pain and suffering are not included, while economic losses remain covered.

Increased the maximum funeral expense reimbursement from $1,000 to $5,000 per person for medical expenses related to funeral, cremation, and burial.

Updated the definition of 'Medical expense' to clarify that it includes all healing arts professions licensed by Kentucky, with specific fee limitations based on workers' compensation schedules.

Clarified that economic loss includes expenses for services obtained instead of work the injured person would have performed, reduced by any income from substitute work.

Floor votes · House Mar 4, 2025

How they voted

7325
Passed · 6 other
Total votes 104
Mar 4, 2025
D Democratic21
11 Yea 10 Nay
52% Yea
R Republican83
62 Yea 15 Nay 6
74% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
9
Key actions
2
Committee
4
Mar 5, 2025
Committee
to Committee on Committees (S)
upper
Mar 4, 2025
Lower · Passed
3rd reading, passed 71-23 with Committee Substitute (1)
lower
Feb 26, 2025
Lower · Passed
reported favorably, 1st reading, to Calendar with Committee Substitute (1)
lower
Feb 14, 2025
Committee
to Banking & Insurance (H)
lower
Feb 11, 2025
Committee
to Committee on Committees (H)
lower
Feb 11, 2025
Introduced
introduced in House
lower
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.