Diminished value · Kentucky

2026 Lincoln Navigator diminished value in Kentucky

A 2026 Lincoln Navigator with typical mileage (~0 mi) carries an estimated 17c diminished-value range of $4,250–$8,500 on a pre-accident value around $85,000. Whether you recover it in Kentucky depends on the deadlines and rules below.

Kentucky deadlines and regulator

Statute of limitations:
2 years (property damage) · 2 years (personal injury)
Regulator:
Kentucky Department of Insurance
Consumer line:
(502) 564-3630

Kentucky rules that shape a claim like this

  • Choice no-fault state — drivers choose between no-fault and tort
  • Pure comparative fault for tort claims
  • 1-year statute of limitations for personal injury, 2 years for property damage
  • Mandatory auto insurance: 25/50/25 minimum liability with PIP

Kentucky Department of Insurance oversees one of the few choice no-fault states, where drivers can elect no-fault PIP coverage or retain the right to sue under tort. The state also has a notably short 1-year statute of limitations for personal injury.

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