Kentucky Car Insurance Laws—All You Need to Know
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All drivers in Kentucky must have car insurance and carry proof of insurance while driving. Kentucky’s mandated insurance limits are 25/50/25 for liability coverage, meaning drivers must have coverage for $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage per accident.
There are penalties for driving without insurance in Kentucky, so make sure that you have the proper coverage.
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Here’s everything you need to know about car insurance laws in Kentucky.
Car insurance requirements in Kentucky
Kentucky requires all drivers to have liability coverage and personal injury protection (PIP) . Here are the minimum requirements for auto insurance coverage in Kentucky:
|Minimum Liability Coverage: 25/50/25||Personal Injury Protection (PIP)|
|$25,000 bodily injury per person||$10,000 per person|
|$50,000 bodily injury per accident|
|$25,000 for property damage per accident|
Liability coverage in Kentucky
Liability coverage helps you cover property damage and medical expenses of others if you are in an accident where you are at fault. Liability coverage does not cover your own property damage or medical expenses.
Since liability coverage does not cover your own property damage or medical expenses, you’ll need to rely on PIP for coverage.
Personal injury protection (PIP) in Kentucky
Regardless of who is at fault, drivers are required to use their own PIP to cover their medical expenses.
If you exhaust your PIP insurance limits and are not at fault in an accident, you can file a claim with the at-fault driver’s insurance provider to cover your remaining medical expenses.
State-mandated car insurance limits
An insurance “limit” is the maximum amount your insurance provider will pay to cover expenses in each category of coverage.
Kentucky’s mandated insurance limits follow a 25/50/25 pattern for liability coverage and $10,000 per person for PIP coverage. You can likely raise these limits with your provider for a slightly higher monthly insurance rate.
A $25,000 limit for bodily injury per person means that your provider will cover no more than $25,000 for the injuries of one single person in an accident you cause.
A $50,000 limit for bodily injury per accident means that your provider will cover no more than $50,000 for the injuries you cause to two or more people in one single accident you cause.
A $25,000 limit for property damage per accident means that your provider will cover no more than $25,000 per accident for damages you cause in an at-fault accident.
A $10,000 limit for PIP coverage means that your provider will cover no more than $10,000 for your medical expenses in an at-fault accident.
Kentucky allows a $60,000 combined single limit—combined single limits essentially operate as conclusive liability coverage (rather than splitting liability between bodily injury and property damage). Check with your insurance provider to see if a combined single limit is a good option for you.
MORE: Types of car insurance
Do Kentucky’s required insurance minimums provide enough coverage?
Kentucky’s required insurance minimums are similar to other states, but that doesn’t mean you’ll be adequately covered if you purchase just the minimums. It’s always a good idea to purchase additional coverage so that you have all the financial protection you need if you ever get into an accident.
For instance, if you cause a collision that damages multiple vehicles, you could quickly exhaust the $25,000 property damage limit. Similarly, if you cause a collision that injures even just one person, there is a good chance you’ll exhaust your $25,000 bodily injury per person limit.
Remember, your insurance provider won’t provide any more coverage once you’ve hit your insurance limits. This means you will have to pay any remaining medical or property damages costs of out-of-pocket for an at-fault accident.
Key Takeaway Kentucky drivers are required to have liability insurance and personal injury protection (PIP) insurance. But you might want to raise your insurance limits beyond what is legally mandated—or purchase additional coverage.
Penalties for driving without insurance in Kentucky
Since insurance is mandated in Kentucky, there are penalties for driving without insurance or proof of insurance:
- Vehicle registration revoked
- $500 to $1,000 fine
- Up to 90 days in jail
Along with the legal penalties for driving without insurance in Kentucky, you will almost certainly face higher insurance rates in the future if you are caught driving without insurance.
Optional auto insurance coverage in Kentucky
There are additional forms of car insurance coverage you can purchase in Kentucky if you want more than just the legal minimum coverage:
- Comprehensive coverage can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism).
- Collision coverage can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object.
- Medical payments coverage covers the cost of medical bills or funeral expenses resulting from a collision.
- Roadside assistance helps with things like fixing flats, towing, or jump starting a battery. The type of coverage will vary between policies and companies.
- Rental car reimbursement will cover the cost of a rental vehicle if you are unable to drive your car.
Key Takeaway There are various penalties for driving without insurance in Kentucky, and you’ll probably want to purchase additional coverage beyond what is legally required in Kentucky.
Where to buy car insurance in Kentucky
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Is car insurance required in Kentucky?
Yes. All drivers in Kentucky must have liability coverage and personal injury protection (PIP).
Is Kentucky a no-fault auto insurance state?
Yes, Kentucky is a no-fault state, which means that if you are the victim of an accident (i.e. not at-fault), you need to exhaust your own insurance coverage before getting a payout from the at-fault driver’s insurer. This is why personal injury protection (PIP) is legally mandated in Kentucky.
Does insurance follow the car or the driver in Kentucky?
As with most places, insurance follows the car in Kentucky. This means that you buy insurance coverage for a particular vehicle—not necessarily a particular driver.
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