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It is important to maintain a car insurance policy in Kentucky as the state has strict penalties for those who don’t. The state is one of 3 states that follows the rules of a choice no-fault system but the specific regulations can vary from other states. Staying current on Kentucky insurance rules and regulations can help you maintain adequate coverage.
Similar to New Jersey and Pennsylvania insurance laws, Kentucky operates under a choice no fault system. This type of system is a hybrid of a pure no fault system and a tort system. Drivers are able to select whether or not they wish to retain their legal rights and follow the rules of a tort system or select to strictly follow a no fault system.
All personal vehicles in Kentucky require the following liability coverage requirements:
|Minimum Kentucky Car Insurance Requirements|
|Bodily Injury Liability||$25,000 / $50,000 Limit|
|Property Damage Liability||$10,000 Limit|
|Personal Injury Protection||$10,000 Limit|
Additional insurance coverage can include:
Comprehensive and collision insurance provide added protection for repairs and replacement of your vehicle. Collision pays for damages resulting from a crash while comprehensive covers non-collision incidents such as a tornado or having your car stolen. With the most stolen vehicles in Kentucky list growing, it’s always advisable to maintain this type of coverage.
Underinsured or uninsured insurance isn’t as useful in a no fault state as in states operating under a tort system because many of the benefits are already covered under a basic policy. However, if you’re looking to cover yourself in the event of lost wages from an accident, this insurance coverage will help you.
Establishing proof of insurance and financial responsibility
In order to provide proof of insurance, you can provide one of the following:
You must maintain proof of insurance and financial responsibility:
If you are not able to show proof of insurance, you can face the following penalties:
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