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automobile insurance coverage

Kentucky Car Insurance Requirements

Car insurance requirements vary from state to state. All states require every driver to purchase and carry a minimum amount of insurance.

Below, our Louisville personal injury attorneys explain the minimum car insurance that all Kentuckians must carry.

What Car Insurance Do I Need in Kentucky?

According to the Kentucky Legislature, drivers in the state may not operate a vehicle until insurance has been obtained. Any driver caught operating a vehicle without insurance may have their vehicle registration revoked and may face a fine up to $1,000, a jail sentence up to 90 days, or both.

All motor vehicle owners in Kentucky must carry the following liability coverage, at a minimum:

  • $25,000 for bodily injury damages sustained by one person

  • $50,000 for bodily injury damages sustained by all persons in one accident

  • $25,000 for property damage

Different Types of Insurance Coverage

Liability coverage, which pays for the medical bills and property damage you cause to another party in an accident, is only one component of a full insurance policy.

Other components may include the following:

  • Uninsured/underinsured motorist coverage: This pays for damages you sustain in an accident caused by another driver when the other driver either does not have insurance or does not have enough coverage to pay for the full cost of damages.

  • Collision: Ths pays for damage caused to your vehicle in an accident with another vehicle or object. You would pay the amount of your deductible, and then your insurance company would cover the rest of the cost.

  • Comprehensive: This pays for damage caused to your vehicle due to external factors, such as vandalism or weather events. Again, you would pay the deductible, and then your insurance company would pay for the rest.

In most states, uninsured/underinsured, collision, and comprehensive coverage are all optional. Liability is the coverage you must carry in order to drive legally.

Need Help with Your Insurance Company? Contact Us Today

Insurance companies are notorious for denying legitimate claims from their customers. If you have been injured in a car accident that wasn’t your fault and you’re now having trouble recovering the compensation you’re owed from your insurer, our team is here to help.

We have the experience and resources needed to protect your rights from large insurance companies.

Contact Dolt, Thompson, Shepherd & Conway, PSC today at (502) 242-8872 to schedule a free consultation.