Blue Cross & Blue Shield of Kentucky, Inc. v. Baxter

MILLER, Judge.

Appellee, Helen Baxter, was severely injured in a one-car automobile accident on March 4, 1984. As a result, she incurred medical expenses and work loss (lost wages), each exceeding $10,000.00. 1

At the time of the accident, Helen had a no-fault insurance policy as mandated by KRS Chapter 304.39. Her policy, issued by American Fire & Casualty Company (American Fire), provided for “basic reparation benefits” (BRB) covering net economic loss which included her work loss and medical expenses up to $10,000.00. KRS 304.39-020(2), (5), and KRS 304.39-030. In addition to her no-fault…