• Kentucky Auto Insurance Coverage
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Kentucky Auto Insurance Coverage

Learn about your coverage options so you can choose the Kentucky auto insurance that’s right for your needs, goals and budget.

Kentucky car insurance coverage you must have

Liability coverage

There are two types of liability coverage available:

• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

The minimum amount of Kentucky auto insurance coverage is $25,000/$50,000/$10,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $10,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.

Kentucky auto insurance coverage that’s smart to have

You may want to consider adding the following coverages to your policy for greater protection. We offer several affordable options, like comprehensive coverage, to give you peace of mind both on and off the road.

• Comprehensive − Covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism and glass breakage along with other non-collision related accidents (subject to deductible).
• Collision − Covers damage to your vehicle resulting from a collision with another vehicle or object (subject to deductible).
• Uninsured and underinsured motorist − Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Bodily injury covers damage due to bodily injury resulting from a covered accident that you and others are legally entitled to receive from a driver who is not insured or isn’t enough to reimburse you for damages they caused.
• Medical benefits − Helps pay necessary expense for medical and funeral services provided to you and your passengers as a result of an accident.
• Personal injury protection (PIP) − Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e., passengers or pedestrians).
  • Additional personal injury protection − Additional benefits are available when covered expenses exceed the limits of PIP.

Tailor your policy with these Kentucky car insurance coverage options

• Accident Forgiveness − With this option, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
• Nationwide Roadside Assistance −Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
• Loss of use/rental car expense − If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

_{Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.}

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}