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Kentucky Car Insurance Requirements

Kentucky Minimum Car Insurance Requirements

The state of Kentucky requires all drivers to carry both liability insurance and personal injury protection (PIP). The PIP coverage requirement is due to the fact Kentucky is a no-fault state. That will be explained further in a later section. For now, let’s take a look at the mandatory minimum insurance coverage every driver in the state of Kentucky must carry:

Liability Insurance

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

Personal Injury Protection (PIP)

  • $10,000 per person

In Kentucky, you must be ready to provide proof of insurance when asked to by law enforcement. Failure to do so will come with some hefty consequences. Also, keep in mind that if you finance or lease your car, you may be required by your lender or leasing company to carry additional insurance.

Personal Injury Protection (PIP) in Kentucky

As previously mentioned, Kentucky is a no-fault state. This means that if you are injured in an accident, you must first go through your own insurance company to cover expenses. This is where personal injury protection (PIP) coverage comes into play. It will pay out for medical costs no matter who was at fault. If your injuries exceed your PIP coverage limits, then the at-fault driver’s liability insurance will come in.

Kentucky Liability Insurance

Liability insurance will cover damages and injuries to the other driver that you cause in an accident. This coverage only protects the other party involved. It will never protect your injuries or damages. You would need to expand your own insurance policy for that. Liability insurance is divided into three categories: bodily injury per person, bodily injury per accident, and property damage. What these cover in an accident will be explored further in the next section.

Car Insurance Limits in Kentucky

Coverage limits refer to the minimum amount of insurance you must carry in order to be a legal driver. For the state of Kentucky, liability limits are expressed on a policy as 25/50/25. From an insurance perspective, these numbers also refer to the maximum amount your insurance company will pay out should you hold only the state-mandated liability insurance.

As has been discussed previously, liability insurance coverage limits are separated into three different categories, with each number referring to a different aspect of the policy. What these categories are and what they cover after an accident are outlined below.

  • Bodily injury per person refers to the maximum amount your insurance company will pay for a single person’s injuries in an accident you caused.
  • Bodily injury per accident is the amount your insurer will pay for all injuries in an accident you are responsible for.
  • Property damage per accident is how much your insurance will pay for damage you cause to another person’s property in an accident.

It is also worth noting that in the state of Kentucky, a single combined limit of $60,000 can go towards covering any combination of the coverages mentioned above.

Is Kentucky’s Mandatory Insurance Minimums Enough Coverage?

Kentucky has a pretty average amount of liability insurance required for drivers, but being average does not mean it is good. You should never carry the state-mandated insurance policy strictly. It is highly recommended that you increase your insurance limits and utilize policy add-ons to get a well-rounded insurance plan. This will make sure you and your assets are protected. Any bills left over after your insurance payout will be your responsibility. This can be detrimental to your finances.

Driving Without Insurance in Kentucky

Failure to provide proof of insurance in the state of Kentucky can result in you being hit with some pretty harsh consequences. Listed below is what you could be facing if you choose to forego obtaining an insurance policy in Kentucky.

  • Revocation of vehicle registration
  • Fine of $500-$1,000
  • Up to 90 days in jail

Additional Types of Car Insurance in Kentucky

While liability insurance and PIP coverage are required for drivers in Kentucky, there are numerous other types of car insurance that can be beneficial for you. Listed below are some common policy add-ons that can help strengthen your car insurance.

  • Collision: This covers damages your vehicle sustains as a result of a crash with another car.
  • Comprehensive: Comprehensive coverage pays for damage your vehicle sustains when it is not in use. Perils covered under this policy include theft and extreme weather.
  • Gap Coverage: If your car is totaled before you are able to pay off your auto loan, gap coverage will help pay for the difference between your vehicle’s actual cash value and what is remaining on your loan.
  • Medical Payments: Also referred to as “med pay,” this works in a similar fashion to PIP coverage and pays for injuries you and your passenger(s) sustain in an accident.
  • Roadside Assistance: If your car is experiencing issues while you are driving, roadside assistance can be there to fix the problem. Some mechanical issues it will assist with include dead batteries and flat tires. The full scale of coverage depends on what insurance company you have a policy with.
  • Rental Car Reimbursement: If an accident is serious enough, your vehicle may be out of commission for a while. During this time, rental car reimbursement coverage will pay for the costs to rent a car while you wait for yours to get fixed.
  • Uninsured Motorist Coverage: If you end up in an accident with someone who lacks the proper insurance, uninsured motorist coverage can help pay for damages and injuries when the at-fault party’s insurance cannot.

Car Insurance is Important For Any Kentucky Driver

Having the proper insurance coverage for you not only keeps you on the right side of the law in Kentucky but also helps protect yourself and your assets. Strictly carrying the state-mandated liability insurance and PIP coverage can be a costly mistake. Anything that is not covered by your insurer can come back to you, putting you in a detrimental place financially. For this reason, it would be wise to purchase a policy that has high coverage limits and utilizes fundamental policy add-ons.

*This product may not be available in every state, please call an agent for more information.

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