Auto Coverage in Kentucky
Kentucky Auto Insurance
Kentucky car insurance costs above the national average but, much like 48 of 50 states in the U.S., auto insurance is required in order to drive in the state of Kentucky. If you choose to go without coverage in Kentucky, you could face severe consequences, as you'll learn below.
Minimum Kentucky auto insurance
The minimum amounts of insurance that you need to carry in the state of Kentucky include the following:
- Bodily Injury and Death: $25,000 to cover one person in any one accident and $50,000 to cover all injuries
- Property Damages: $10,000
- Personal Injury Protection: $10,000
These are relatively standard amounts compared with the minimums in other states across the country, although PIP coverage isn't required in many states.
As in other states, many drivers in Kentucky also opt to purchase more than the minimum insurance amounts, in case they are in an accident and need to cover the damages for their own and others' vehicle damages and medical bills.
For example, uninsured and underinsured motorist coverage will cover any injuries in case you are involved in a crash with an uninsured driver.
Penalties without Kentucky auto insurance
If you are caught driving without the mandatory minimums in insurance coverage, you can be fined heavily – up to $1,000. Moreover, you can also face a jail term of up to three months if you're not carrying insurance.
In regards to car accidents, Kentucky has a no-fault system meaning that in an accident, there is not always someone that is found to be at fault.
However, if you are in an accident and believe the other driver is at fault, you are allowed the right to sue for any damages. This is called a Choice No-Fault system. The rejection must be in writing on a special form, filed with the Kentucky Department of Insurance.