Kentucky Auto Insurance
In the State of Kentucky in order to legally drive a car, you need a minimum amount of Kentucky auto insurance. This insurance is present to protect drivers from the monetary damages associated with accidents. Kentucky is a no-fault state, so you are required to have PIP insurance as well as bodily injury and property damage liability.
- Bodily Injury Liability
This type of insurance protects you from the medical costs that other drivers can occur as a result of your driving. If you are found at fault in an accident, you are liable for all the injuries you cause; this insurance protects you from those costs. You must have a minimum of $25,000 of bodily injury insurance per person and $50,000 per accident. You can increase these minimum to offer better protection for yourself, as any damages above these amounts, you will be liable for
- Property Damage Liability
This type of insurance is similar to bodily injury insurance, except that it covers all property damage if you are found at fault for an accident. It does NOT, however, cover damages to your own car. For this coverage you need
comprehensive or collision insurance
. The minimum amount of property damage liability is $10,000, and you can increase this amount to offer full protection.
- PIP Insurance
Since Kentucky is a no-fault state, every driver must have Personal Injury Protection insurance (PIP insurance). This insurance covers bodily injuries to your own person in an accident. So regardless of who is at fault, all injuries in an accident will be covered.
The values stated above are the state required minimums. You can increase this amount to fully protect yourself. Increasing these minimum or adding comprehensive or collision coverage will increase your insurance rates. To get free
Kentucky auto insurance quotes
, check out the free quote section. This section will find and list the top auto insurance prices for you to help find cheap auto insurance for Kentucky
Return From Kentucky Auto Insurance to Minimum Coverages
|
