Kentucky Auto Insurance Quotes

If you're searching for Kentucky auto insurance coverage, you've found the best site for insurance quotes and information on Kentucky's auto insurance requirements. Before shopping for a price quote, review the information available on Kentucky's liability coverage requirements to determine what your auto insurance policy needs to include. Once you've determined your coverage requirements, you can gather price quotes from several carriers that are licensed to do business in the state of Kentucky.

Kentucky Liability Insurance Requirements

Like most states in the United States, Kentucky requires that motorists carry liability insurance coverage on all registered vehicles.  This liability insurance is used to cover expenses resulting from property damages or injuries caused by an automobile accident.  Kentucky's minimum coverage requirement for the bodily injuries of one person in one accident is $25,000.  For all bodily injuries sustained in one accident, the minimum coverage requirement is $50,000.  Liability insurance for property damage must also be carried in the minimum amount of $10,000.  In addition to the liability insurance requirements of the state, motorists are also required to carry personal injury protection coverage.  This type of coverage will pay for the medical expenses of the covered driver, any passengers, and any pedestrians injured by the driver's vehicle in an accident.  Funeral expenses are also covered by personal injury protection coverage.

Determining Responsibility for Accident Expenses

Kentucky is one of the twelve states that are considered to be no-fault states.  Under the no-fault system of determining financial responsibility after an accident, a driver's insurance company must pay medical and property damage expenses regardless of who was at fault for the accident.  This system was put into place in Kentucky and other states in order to cut down on the amount of auto insurance fraud that was occurring.  In states that are not no-fault states, the tort system is used.  Under this system, the driver who is at fault for an accident is responsible for paying the accident expenses of others involved.

Proof of Kentucky Auto Insurance

Kentucky motorists must provide proof of insurance to law enforcement officers during a traffic stop and must also prove that a vehicle is insured when registering that vehicle.  There are several ways a driver can prove that a vehicle is insured when it is being registered.  If the vehicle's VIN is listed as insured in the state database, this can serve as proof of insurance.  Drivers can also provide a copy of the current insurance card, a certificate of insurance for the vehicle, an insurance contract with a declaration page that shows the effective dates of the policy, a letter from the Kentucky Automobile Insurance Plan, or a letter from the Kentucky Office of Insurance.

Penalties for Driving Without Insurance

If you are caught driving without insurance in Kentucky, the penalties are severe.  For a first offense, you can be sentecned to jail for not more than 90 days or be required to pay a fine ranging from $500 to $1,000.  Your vehicle registration can also be suspended for one year and your driver's license may also be suspended for up to a year.  Subsequent offenses result in even harsher penalties.