Kentucky's no-fault system requires you to exhaust your PIP coverage before suing the at-fault driver — unless your injuries meet the serious injury threshold. That threshold is: (1) death, (2) permanent disfigurement, (3) fracture of a weight-bearing bone, (4) compound, comminuted, displaced, or compressed fracture, (5) loss of a body part, (6) permanent injury, or (7) permanent loss of a bodily function. Soft tissue injuries like whiplash typically do not meet the threshold. A broken bone or disc herniation requiring surgery usually does. If you're unsure, a free attorney consultation will tell you quickly whether you can bring a tort claim immediately.