KENTUCKY Car Insurance - free online and instant Quotes!

Kentucky Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Kentucky. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Kentucky Auto Insurance Laws

Kentucky has a "choice" no-fault auto insurance law in which motorists may reject the lawsuit threshold and retain the right to sue for auto-related injuries. Currently Kentucky law requires a minimum liability coverage of 25/50/10. This means you must have $25,000 total for bodily injury per person; $50,000 total for bodily injury coverage per accidetn; and $10,000 limit on property damage per accident.

Required PIP coverage is $10,000 for medical expenses, loss of income or services, and funeral expenses. Although these coverages are legally sufficient, it may not be enough to protect you and your assets in the event of a claim against you.

In basic no-fault coverage, your insurance company pays you up to $10,000 for medical expenses, lost wages and expenses due to an injury occurring from a car accident, regardless of who is at fault.

Kentucky car insurance companies will offer increase coverages or higher deductibles. Your right to sue the other parties and the rights of others to sue you are limited. In Kentucky, you may reject the limitations on your right to sue or be sued. The rejection must be in writing on a special form and be filled with the Kentucky Department of Insurane. The rejection will remain in effect until you notify the Department in writing.

Kentucky Division of Motor Vehicle Licensing & Division of Driver Licensing

The Kentucky resident can find information about motor vehicle licensing and insurance at the Division of Motor Vehicle Licensing. The Kentucky DMV site has information for commercial drivers, graduated licensing programs, drivers testing manuals, driver licensing information and forms and applications. You can also find out more about the Kentucky Driver Point system. Non citizens can find proceedures and determine what documents are needed to apply for a Kentuckey driver's license. Residents can find education and training courses on Kentucky's motorcycle rider education program.

Kentucky Department of Insurance

The Kansas Insurance Department website provides resource areas for consumers protection and education, agent licensing, insurance company information, seniors health, and insurance news. Consumers can find free insurance publications, search complaint ratios, and file insurance comlaints online. The website is well organized and makes it easy to searching for insurance company information and agents. A great site for Kentucky resident looking to buy insurance. Read insurance alerts, notices, bulletins, Frequently Asked Questions and find insurance cost assistance programs.