KRS 304.39-140: Optional additional benefits.

(1) On and after July 1, 1975, each reparation obligor of the owner of a vehicle required

to be registered in this Commonwealth shall, upon the request of a reparation

insured, be required to provide added reparation benefits for economic loss in units

of ten thousand dollars ($10,000) per person subject to the lesser of:

(a) Forty thousand dollars ($40,000) in added reparation benefits; or

(b) The limit of security provided for liability to any one (1) person in excess of

the requirements of KRS 304.39-110(1)(a).

(2) Each basic reparation obligor shall be permitted to incorporate in added reparation

benefits coverage such terms, conditions and exclusions as may be consistent with

premiums charged. The amounts payable under added reparation benefits may be

duplicative of benefits received from collateral source benefits, or may provide for

reasonable waiting periods, deductibles or coinsurance provision. The added

reparation obligor shall be subrogated, subject to KRS 304.39 -070 and 304.39-300,

to the injured person's right of recovery against any responsible third party.

(3) If the injured person, or injured persons, is entitled to damages under KRS 304.39 -

060 from the liability insurer of a second person, a self -insurer or an obligated

government, collection of such damages shall have priority over the rights of the

subrogee for its reimbursement of basic or added reparation benefits paid to or in

behalf of such injured person or persons.

(4) Basic reparation insurers shall make available upon request deductibles in the

amounts of two hundred fifty dollars ($250), five hundred dollars ($500) and one

thousand dollars ($1,000) from all basic reparation benefits otherwise payable,

except that if two (2) or more basic reparation insureds to whom the deductible is

applicable under the contract of insurance are injured in the same accident, the

aggregate amount of the deductible applicable to all of them shall not exceed the

specified deductible, which amount where necessary shall be allocated equally

among them. Any per son who is a basic reparation insured under an insurance

policy issued with no deductible or with a deductible of a lesser amount than that

under which he receives basic reparation benefits payments, shall be entitled to be

paid under such policy the diffe rence between the benefits he is actually paid and

the benefits which would have been paid had his benefits been payable under such

policy.

(5) Reparation obligors shall make available upon request to those persons who have

rejected their tort limitations, in accordance with KRS 304.39 -060(4), basic

reparation benefits coverage and added reparation benefits.