Kentucky Car Insurance Quotes

All motor vehicles registered or operated in Kentucky must be covered by liability insurance and basic no-fault personal injury insurance. Failure to carry insurance is a criminal offense. The penalties include fines, loss of license plates, and loss of operator's license.

Motor vehicle liability insurance polices must provide minimum coverage of:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $10,000 for damage to property.

An alternative to this "split limit" arrangement is to purchase a "single limit" policy which has a limit of liability of at least $60,000. All motor vehicle liability insurance policies must provide a minimum of $10,000 no-fault personal-injury coverage.

Liability coverage provides protection for damage to persons or property. No-fault coverage pays up to $10,000 for medical expenses, lost wages, and replacement services if one is injured in an automobile collision regardless of who may have been at fault. Higher limits of coverage may be purchased.

If you decide to reject no-fault personal injury coverage and limitations on your right to sue or be sued, your rejection must be in writing on a special form established by the Kentucky Department of Insurance and filed with the Department of Insurance.

Under no-fault personal injury coverage, your right to sue will be limited in case of a minor injury. The rights of other persons to sue you will be limited in a similar manner. However, if you do not want these limitations on your right to sue or be sued, you have the option to reject the no-fault act and the limitations on your right to sue or be sued.