Know Your Kentucky Car Insurance Coverage Laws and Options

Kentucky car insurance coverage laws exist to make sure that all drivers are insured and protected in the event of an accident. However, even though car insurance is mandatory, many drivers neglect to maintain their coverage. In other cases, they only purchase the minimum requirements, which rarely cover the complete damages in a serious accident.

In Kentucky, the minimum insurance coverage limits are: 

• $25,000 in individual bodily injury coverage;
• $50,000 total bodily injury coverage for all victims in the accident; and
• $10,000 in property damage coverage. 

These are the minimum limits you are required to carry, and it's usually a good idea to increase these limits to avoid the risk of being underinsured. There is also a "single-limit plan" that covers liability up to $60,000.

There are additional types of coverage you can elect to have added to your policy for an additional price. One of the most important types of coverage that many Louisville personal injury attorneys suggest their clients carry is uninsured/underinsured motorist coverage. 

This additional coverage will compensate when the other driver's insurance limits fall short. Whether the other driver only carried the minimum limits or carried no insurance at all, your own coverage will help supplement the amount of compensation you can obtain for your injuries.

Before you buy Kentucky car insurance or when you've been involved in a serious car accident, a Louisville personal injury attorney can help. It's best to understand the importance of uninsured/underinsured motorist coverage before waiving your coverage, as it could mean the difference between a fair settlement and paying for your damages from your own pocket.

Contacting a Louisville Personal Injury Attorney

Understanding how car insurance coverage and limits can affect your Louisville accident claim is important to seeking a fair settlement. A Louisville personal injury attorney at Gray and White can help you handle every aspect of your Louisville accident injury claim. If you've been injured in Kentucky, contact us today for a free evaluation of your case - 1-800-634-8767 or 1-502-210-8942.