Car insurance laws in Kentucky
As a resident of the Bluegrass state, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance coverage and cost may also vary depending on where within the state you live. Before you get started, here are some important factors to keep in mind:
Kentucky is a no-fault insurance state. If you happen to get into a car accident, no-fault insurance will reimburse you for any hospital or medical expenses, wage losses from an inability to work, and if necessary, any funeral costs. No-fault insurance will cover these expenses regardless of who is responsible for the accident. It does not, however, cover any damage to your car.
Kentucky teen driving laws
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Kentucky.
Teenagers in Kentucky can apply for a learner’s permit at age 16. At 16 and six months after completing 60 hours of driving, they can apply for an intermediate license. Once they turn 17 they are eligible for an unrestricted license under the condition they have had an intermediate license for at least six months and have completed a certified driver education course. Learn more about the rules young drivers in Kentucky must follow here.
Minimum insurance requirements for Kentucky
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.
Kentucky auto liability coverage
Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Kentucky, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- 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.