Kentucky auto insurance laws define the minimum amounts of liability insurance coverage is required to drive in the state. Kentucky is also a no-fault state, which means that the insurance company will pay for the injury claims, to a specified amount, no matter who was at fault. Below is information on the liability coverage that is required.
To cover costs if you are at fault for the accident state law requires that you have bodily injury liability coverage of $25,000 to pay for the other individual's medical bills, and bodily injury liability coverage of $50,000 to pay for any other individuals' medical bills. You are also required to have $10,000 of property damage liability coverage to cover the cost of damage caused to the other individual's car and personal property.
State law requires the above liability coverage, but for peace of mind you should consider adding extra coverage to your policy. Regardless who is at fault, collision coverage will pay for the repairs needed to your vehicle. This will be required by your creditor if you are still making payments on your car.
Circumstances other than collision, such as theft, vandalism, and fire, are paid for if you have comprehensive coverage. Medical bills incurred by you and your passengers will be taken care of if you have personal injury coverage. Damage to your car caused by hit-and-run, uninsured, or underinsured drivers fall under the uninsured motorist coverage option.
To help find the best rates and a reputable company, try using an insurance comparison website. These sites allow you to compare many policies at the same time and help you to choose the best one for you.
Look for websites that offer articles about not only getting savings on auto insurance rates but other areas as well. An online chat feature could also be beneficial so you can get answers to any questions from an insurance expert.
An insurance broker will be able to aid you in any of the areas above. Brokers work with numerous insurance providers and are required to know what is needed to be legal in the state. Insurance brokers will also help you to find the best insurance premium rates.
To cover costs if you are at fault for the accident state law requires that you have bodily injury liability coverage of $25,000 to pay for the other individual's medical bills, and bodily injury liability coverage of $50,000 to pay for any other individuals' medical bills. You are also required to have $10,000 of property damage liability coverage to cover the cost of damage caused to the other individual's car and personal property.
State law requires the above liability coverage, but for peace of mind you should consider adding extra coverage to your policy. Regardless who is at fault, collision coverage will pay for the repairs needed to your vehicle. This will be required by your creditor if you are still making payments on your car.
Circumstances other than collision, such as theft, vandalism, and fire, are paid for if you have comprehensive coverage. Medical bills incurred by you and your passengers will be taken care of if you have personal injury coverage. Damage to your car caused by hit-and-run, uninsured, or underinsured drivers fall under the uninsured motorist coverage option.
To help find the best rates and a reputable company, try using an insurance comparison website. These sites allow you to compare many policies at the same time and help you to choose the best one for you.
Look for websites that offer articles about not only getting savings on auto insurance rates but other areas as well. An online chat feature could also be beneficial so you can get answers to any questions from an insurance expert.
An insurance broker will be able to aid you in any of the areas above. Brokers work with numerous insurance providers and are required to know what is needed to be legal in the state. Insurance brokers will also help you to find the best insurance premium rates.
About the Author:
Steve Turner has a lot of experience in aiding drivers purchase Kentucky auto insurance. Kentucky Auto Insurance Rates Steve Turner knows what the state requirements are and can also help you decide what other coverage options you want to add to your policy. Kentucky Auto Insurance Costs
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