Unlike Ohio, where the claim fight often starts directly over fault, Kentucky adds a no-fault/PIP layer first, and the other insurer may use that extra breathing room to look for posts, photos, and messages that cut down what they pay later. If the request is coming from the other driver's insurer, it usually is a trap, not a routine formality. They want material they can use to argue you were not badly hurt, were distracted, were somewhere else, or that flood conditions on roads near I-75, U.S. 25, or the Eastern Bypass in Richmond were obvious enough that you share blame. In Kentucky, your claim value can drop under pure comparative fault, and one bad post can become an exhibit.

For the deeper reason: social media gives insurers timestamps, activity levels, location data, and casual comments they can twist. A photo from a family barbecue can be framed as proof you are "fully recovered," even if you left early because of pain. A post about a VA appointment can be spun into "preexisting condition" arguments, even though VA benefits and a civilian injury claim are separate systems that do not coordinate cleanly.

What not to do in the first 48 hours:

• Do not delete old posts after the wreck; that can create a spoliation problem.
• Do not accept new friend requests or follows from people you do not know.
• Do not post about pain, fault, weather, speed, or vehicle damage.
• Do not give the other insurer unrestricted account access or screenshots beyond what is legally required.
• Do not skip the official report; if the crash was outside city limits, Kentucky State Police may be the responding agency.

If your own PIP carrier asks for basic records, that is different from handing over your whole online life to the adverse insurer. Those are not the same request.