Kentucky Car Insurance

All registered vehicles need to have proper Kentucky auto insurance to drive within the state. Of course, you can easily avail such insurance for your vehicle through internet by paying nominal charges for the service.

Types of Kentucky Auto Insurance

Auto insurance in Kentucky could be as Tort liability insurance system or no-fault auto insurance system.

Tort Liability

This insurance system has no restrictions on lawsuits, in the sense, if you are at fault, other driver and passengers can charge you legally for damages, medical expenses, and other associated costs.

No-Fault Insurance

Under this type, driver needs to buy Personal Injury Protection. This coverage provides for injuries and other related costs irrespective of who causes accident. You might however, have to pay certain legal expenses depending on gravity of situation.

What is my coverage in Kentucky Auto Insurance?

You receive a minimum coverage of $25,000 each person for bodily injuries, $50,000 for all injuries in a single accident and $10,000 for damages to property. You receive coverage of $10,000 for wages lost, medical expenses, and replacement services under no-fault insurance system.

What is my Mandatory Coverage?

Kentucky Auto Insurance provides for certain mandatory coverage such as Property Damage Liability, Personal Injury Protection (No-Fault), and Bodily Injury Liability.

What will happen if I do not carry any proof of Auto Insurance?

You need to carry proof of your auto insurance always in your vehicle. Absence of such proof is a criminal offense. It could lead to following penalties:-

Loss of license plates
Fines
Loss of your operator’s license

What will happen if I do not have any Kentucky Auto Insurance?

If you, your driver, or any family member drives vehicle without proper auto insurance in Kentucky, you face penalties such as-

1. Fine of $50 2. Cancellation of registration of your vehicle and 3. Spending ninety days in jail

This further depends on frequency of committing such offense and your driving record.

Kentucky Car Insurance

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