1. The state official with primary authority to regulate personal lines insurers in Kentucky is the:

Commissioner of Insurance

The Commissioner heads the Kentucky Department of Insurance and regulates personal lines insurers and producers.

2. Under Kentucky's Motor Vehicle Reparations Act, Kentucky's auto insurance system is best described as a:

Choice no-fault system

Kentucky is a choice no-fault state under the Motor Vehicle Reparations Act, providing no-fault benefits unless the insured rejects the tort limitation.

3. Under the Motor Vehicle Reparations Act, a Kentucky motorist who has not rejected the tort limitation is generally entitled to:

Basic Reparation Benefits (PIP) for medical and related expenses regardless of fault

Kentucky's no-fault law provides Basic Reparation Benefits (personal injury protection) for medical and related losses regardless of fault, unless the tort option is rejected.

4. To preserve the unlimited right to sue for an auto injury in Kentucky, an insured generally must:

Reject the tort limitation in writing

In Kentucky, an insured who wants to retain the unlimited right to sue must reject the statutory tort limitation in writing.