Yes - and the shortest deadline to remember is usually 1 year in Kentucky. If your injury came from a motorcycle crash, assault, or another non-no-fault injury, the claim is often governed by KRS 413.140, which is generally 1 year. If you were hit in a regular motor-vehicle crash and PIP/basic reparation benefits apply, the deadline is often 2 years from the accident or the last PIP payment under KRS 304.39-230.

The insurance company's doctor is not your treating doctor. That exam is usually an IME or records review done for the insurer's case. You are allowed to see your own physician, specialist, dentist, orthopedist, neurologist, or therapist in Richmond or elsewhere in Kentucky, and your own treatment records can be used as evidence.

What you cannot do is ignore a valid exam request tied to your own coverage. If you are making a PIP, MedPay, UM, or UIM claim under your own policy, the policy may require an exam. Refusing can delay or jeopardize those benefits. But even then, you still keep the right to obtain a second opinion.

If the other driver's insurer wants you examined before a lawsuit is filed, they usually cannot force that exam unless a policy term applies. After a lawsuit is filed, a court can order an exam under Kentucky Rule of Civil Procedure 35.

Use both timing and records strategically. If a cyclist on a Richmond road or a summer rider near EKU gets conflicting opinions, the strongest file usually includes:

• the ER record
• all follow-up treatment notes
• imaging like X-rays, CT, or MRI
• work/school restriction notes
• bills and pharmacy receipts

Kentucky is a pure comparative fault state, so even if you were partly at fault, your own doctor's records still matter in proving what the crash caused and how serious it is.