Kentucky Auto Insurance
Requirements of Motorists under KY State Law
Everyone has an opinion about insurance. Some people
believe it is a conspiracy to con hardworking people out
of money. You can not imagine how much you need insurance
until you something happens that you were not prepared
for.
Weather its a car accident, a flu, a fire,or a theft
these things happen all the time. You never know if or
when something might happen to you. Don't be caught off
guard by life's unpredictable events.
There are certain "requirements" that are applicable
to each state and varies accordingly. We have attempted
to compile all of the relevant information in to this
single resource to help visitors know what is expected
of them in regards to insurance.
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Kentucky
Car Insurance Requirements
Coverage Minimum - 25/50/10
Coverage Explanation - Car insurance
coverage in Kentucky must provide a minimum of $25,000
for injury liability for one person in an accident, $50,000
for all injuries in an accident, and $10,000 for property
damage in an accident.
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Important Kentucky Auto
Insurance Laws!
1. All motor vehicles registered or operated in KY must
be covered by liability insurance and basic no-fault personal
injury insurance.
2. Drivers must keep their insurance card as proof of
insurance in their motor vehicle at all times.
Important to Note:
No-fault coverage pays up to $10,000 for medical expenses,
lost wages, and replacement services if one is injured
in an automobile accident regardless of who may have been
at fault. Although only $10,000 coverage is mandatory
under Kentucky auto insurance law, higher limits of coverage
may be purchased.
In accordance with Kentucky auto insurance law, if you
decide to reject no-fault personal injury coverage and
limitations on your right to sue or be sued, your rejection
must be in writing on a special form established by the
Kentucky Department of Insurance and filed with the Department
of Insurance.
###
Failure to carry insurance is a criminal offense. The
penalties include fines, loss of license plates, and loss
of operator's license.
###
An alternative to the 25/50/10 "split limit"
arrangement is to purchase a "single limit"
policy which has a limit of liability of at least $60,000.
Read
our review on Lowering your Auto
Insurance
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