Personal injury protection (PIP) and basic reparation benefits (BRB) are two terms for the same type of insurance. In Kentucky, your insurance company is required to offer you a minimum of $10,000. The $10,000 could be used to pay for your medical bills and/or loss wages if you are in an accident. These benefits are paid regardless of the fault of the party. In other words, you can be in a car accident that was your fault and still receive your $10,000 PIP or BRB. If the accident wasn’t your fault, the at-fault insurance company is required to reimburse your insurance company the benefits paid less $1,000.