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Kentucky Car Insurance Coverage

Buying auto insurance in Kentucky is easy, but determining the types of coverage you want to purchase can be tricky, especially when you don't know what is available and haven't thought about what you need. Familiarizing yourself with the kinds of auto insurance available in Kentucky is the first step toward purchasing the auto insurance you need at a price you can afford.

Types of Auto Insurance in Kentucky

Liability insurance is available in Kentucky, and it is required by law that all motorists carry it. This is insurance that covers other people's medical bills, funeral costs, property repair, or property replacement in case of an accident that you cause. It is important that you carry this coverage, as you can be held personally responsible for the costs of the accident if you do not.

The first type of liability insurance for KY drivers is bodily injury liability coverage. This is the coverage that will pay all medical or death related costs for people other than yourself who are affected by the accident. The second type of liability insurance is property damage liability coverage, which pays all property repair or replacements costs pertaining to the accident. Note that these are two separate types of insurance and must be purchased separately.

Personal Injury Protection (PIP) coverage is also required in the state. This is insurance that begins paying your medical costs right away, even if another Kentucky driver's insurance coverage is ultimately responsible for the bill. In some cases, it will pay all of your medical coverage in case of an accident. The important thing about PIP coverage is that it pays regardless of fault, so that does not have to be determined before you can get the medical care you need.

In addition, uninsured and underinsured motorist bodily injury liability insurance is available in KY. This is insurance coverage that pays your medical bills if you are in an accident caused by a driver who does not have the required types of auto insurance or who does not have enough coverage to pay for all of your injuries. Many drivers feel much safer having this type of coverage, as it means that they will receive the medical care they need and will not have to pay for it themselves or get involved in a complicated lawsuit to get the bills covered.

Medical payments coverage is also popular. This is more coverage to help with medical bills that come as a result of an automobile accident. If you are in an accident that is already covered by your auto insurance, this coverage adds to the money available for your medical expenses. Additionally, it can help pay for the medical expenses of any passengers or family members also injured in the accident.

The other types of auto insurance available in Kentucky fall under the category of property damage insurance. These types of coverage pay to repair or replace your vehicle under certain conditions.

Collision insurance is the first type of property damage insurance. It pays to repair or replace your vehicle if it is damaged in an accident that is your fault. In this scenario, the other motorist's liability insurance would not be responsible for your damages. Unless you have collision coverage, you would have to cover these from your own pocket. Having the coverage can mean the difference between a financial crisis and financial peace of mind.

Comprehensive coverage is the second type of property damage insurance that Kentucky drivers can purchase. This insurance pays to repair or replace your vehicle in case damage occurs that is not the result of an accident and does not involve another vehicle. Damage due to another person's malicious intent (vandalism or theft), damage from other inanimate objects (posts that fall over, tree branches that damage your car), and sometimes damage due to acts of God are covered by this insurance. Note that not all acts of God are covered by every comprehensive policy. Before you purchase one of these, it's important to note what is and is not covered.

Amounts and Deductibles

Property damage insurance is purchased based on deductibles. Your deductible is the amount you must pay before the insurance company pays anything. A lower deductible means less financial responsibility for you, but also means higher premium rates. You must decide on your deductible based on your own needs and financial situation.

The other types of coverage are purchase in varying amounts. This is the amount of coverage that you will get before you must pay out of your own pocket. Again, you must choose your coverage level based on your current finances and any future needs.

At this point, you know all the types of auto insurance available in Kentucky. You should be in a good position to choose the coverage you and your family need.


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