Kentucky Auto Insurance Quotes and Rates. Auto Insurence KY

A Brief Insight to the Auto Insurance Rules and Coverage in Kentucky

Kentucky auto insurance policies purchased by the owner of a vehicle provide three forms of liability coverage: bodily injury liability, property damage liability and personal injury protection. If you are responsible for an accident that injures other people, bodily injury liability insurance protects you against their claims for damages, such as medical expenses, lost wages, and pain and suffering. Property damage liability pays for damage you are legally responsible for to the property of others, such as a dented fender, broken glass, or a damaged wall or fence.

The state's liability minimums are 25/50/10

Minimum Coverage: Each newly written Kentucky auto insurance liability policy must include uninsured and under insured motorists coverage unless you reject this in writing. Minimum liability limits are: Uninsured Motorists: Bodily Injury: $25,000/$50,000, property Damage: $10,000, under insured Motorists: Bodily Injury: $50,000. The uninsured and under insured motorists coverages allow you to collect these damages from your own insurance company.

You are required by law to have certain minimum level of coverage:

Mandatory Coverage	Minimum Requirement
Bodily Injury Liability (BI): When you are at fault in an accident, pays for accidental injury to or the death of another driver, the other driver's passengers, passengers in your car, and pedestrians.	$25,000 per person $50,000 per accident
Property Damage (PD): When you are at fault in an accident, pays for the repair or replacement of other people's cars or property.	$10,000 per accident

Medical payments, PIP, and no-fault coverage

Medical payments (MedPay) coverage will pay for your and your passengers' medical expenses after an accident. Personal injury protection (PIP) and broader "no-fault" coverages are expanded forms of medical payments protection that may be required in your state. Some states have optional PIP or no-fault coverage. Expanded features include payments for lost wages and childcare.

State	DUI/ DWI	Young Driver Licensing	Safety belt usage	Motorcycle Helmet use	Red light Camera	Child Restraint Use
KY	Fair	Marginal	Marginal	Marginal	Poor	Poor

For some coverage, you can buy higher limits than the minimum required. Your insurance producer or company representative can provide complete details.

Kentucky Auto Insurance Law

Kentucky auto insurance 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. Kentucky law requires proof of liability insurance for every registered vehicle. The state requirements protect everyone against uninsured drivers causing huge financial losses to the people they are involved in accidents with.

If you do not have vehicle insurance, the Secretary of State can suspend your license plates. Driving without an automobile liability insurance policy in effect on the vehicle you are operating is against the law. Thousands of Kentucky auto insurance residents suffer injuries or damages yearly caused by persons without insurance coverage on their vehicles. All of us pay more for insurance to cover the risk of being injured or suffering damage caused by an uninsured motorist. To attempt to deter uninsured motorists, Kentucky auto insurance law provides the following sanctions for operating a vehicle without insurance.

Mandatory Requirements:

Auto insurance is a legal requirement in most states and Kentucky is not an exception. State laws typically say that as a driver, you either must have insurance, or be able to provide evidence that you have the financial resources to pay a judgment against you, if you are responsible for causing damage or injury to another person/property. An insurance policy is the easiest way to document that you can pay damages if you must. You also need auto insurance to protect yourself financially.

In accordance with Kentucky auto insurance law, other acceptable documents to prove insurance include:

1.	A temporary insurance card issued by the insurer, Along with premium receipt or insurance binder issued by the motorist's insurance agent.
2.	The current declarations page of a liability insurance policy.
3.	The actual liability insurance policy issued for the vehicle.
4.	A certificate of liability insurance policy issued by either the insurer or an authorized agent.
5.	Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
6.	A copy of the rental agreement when renting a motor vehicle, specifying the insurance coverage.

How Auto Insurance Rate Are Determined in Kentucky

For better or for worse, the price of Kentucky auto insurance is decided by the behavior of the state's drivers as a whole. Kentucky auto insurance companies take the cost of insuring Kentucky drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, things like your driving record, your age, where you live, and the kind of car you drive decide the percentage you pay. Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver. What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on a Kentucky auto insurance policy.

Why Choose Advantage One Insurance?

Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. Our job is to help you protect that dream.

Choosing the right automobile insurance coverage can be a confusing experience for most people. With different Liability limits, Comprehensive, Collision, Personal Injury Protection and Medical coverages to choose from it's easy for most consumers to make simple mistakes that could quickly become a drastic consequence towards their stability and financial well being.

The value of good automobile insurance doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

Throughout this section our focus is to provide you with empowering information that enables you to better understand the many options involved in automobile insurance.

As an independent insurance agency it's our job to represent you, the customer. Consistently working to provide the individual coverage you require. When it comes to protecting your auto, home, business and family, don't leave it up to chance.. being insured with the best certainly has its advantages. That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.

KENTUCKY Auto Insurance