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Kentucky Auto Insurance Requirements
The Kentucky auto insurance requirements stipulated by law are:
A driver can choose to reject Kentucky’s no-fault system so they will still have the right to sue should they be in an accident. Therefore Kentucky requires Personal Injury Protection with a minimum coverage of $10,000 for those who opt out of the no-fault system.
Please note that these are minimums required by Kentucky state law, not suggested coverage amounts. The simple fact is, each state’s minimum requirements are typically inadequate to sufficiently cover your costs should you be involved in a major accident. The shortfall will have to be made up out of your own pocket. Obviously, having to pay this difference could easily destroy one financially. Therefore, it is highly recommended to get much higher coverage amounts. Consult pages elsewhere on this site for recommendations in this regard.
Kentucky Auto Insurance Requirements – More Information
For more information regarding auto insurance requirements in Kentucky, contact the state’s insurance regulatory agency:
KENTUCKY – DEPARTMENT OF INSURANCE
P.O. Box 517
Frankfort, KY 40602 United States
Phone: 502-564-6027
FAX: 502-564-6090
Web: http://doi.ppr.ky.gov/kentucky
Description: R. Glenn Jennings, Commissioner of Insurance
Note that this information is provided for as a general guide and is for reference purposes only and should in no way be considered legal advice. Contact the appropriate regulatory agency for the state in question for definitive answers that apply to that state.
