Bradshaw and Weil makes auto insurance easy to understand, which empowers you to make the choices that best suit your needs.
Minimum Required Coverage
As with most states, Kentucky residents are required to carry auto insurance that meets minimum levels for certain types of coverage. These include:
- Per person bodily injury liability: $25,000
- Per incident bodily injury liability: $50,000
- Per incident property damage: $10,000
Most people choose coverage above these minimum levels to better protect themselves and their vehicles.
Additionally, each driver on the policy can accept or decline no-fault coverage, which is called personal injury protection (PIP). This type of coverage protects you in incidents where the other driver is at fault but has no insurance or is underinsured. It covers medical expenses and other expenses such as lost wages after an accident, regardless of fault. You can refuse PIP coverage, but you must waive it in writing. The state required minimum coverage amount for PIP in Kentucky is $10,000.
If you opt to include PIP on your policy, you also agree to limit your right to sue the at-fault driver for medical expenses unless they exceed $1,000 or if the accident resulted in permanent injury, death, or disfigurement. If all drivers on your policy decline PIP, you’ll still need to have guest PIP for any passengers.
Basic insurance requirements cover losses resulting from collisions, but many other things can befall you and damage your vehicle. Adding comprehensive coverage protects your vehicle from damage not resulting from a collision, such as vandalism, theft, or fire. You can also add rental car coverage and other additional protections to your policy.
For help with choosing the best policy for your situation, call us at Bradshaw and Weil. We’ll help you obtain the policy you need with the coverage you’ll be happy with.