What are the minimum Kentucky auto insurance requirements?

A: The minimum Kentucky auto insurance requirements for all motorists are $25,000 per person and $50,000 per accident for bodily injury liability, $10,000 for property damage liability, and $10,000 for personal injury protection. Although these are the minimum requirements, the most common insurance provisions are considerably higher. If you've been injured in an accident, you should speak with a Jefferson County accident attorney before you contact your insurance company.

The most common insurance coverage options are $100,000 per person and $300,000 per accident for bodily injury liability, $50,000 for property damage, and $10,000 for personal injury protection.

Other useful insurance options include collision and comprehensive insurance, and medical payments, which insures against medical expenses no matter who is at fault. Medical payments coverage extends to your passengers and your family when they are injured in accidents.

Uninsured and underinsured motorist insurance coverage applies to accidents in which you are involved with a driver without insurance or insurance that is adequate enough to cover the extent of the damage and expenses that are incurred. This coverage can be applied if you are injured or your vehicle is damaged in a hit-and-run accident.

In some cases, your UM/UIM coverage may be stackable, meaning that if more than one of your vehicles is insured with stackable UM/UIM at $25,000 per person and $50,000 per accident, then you will be protected for $75,000 per person and $150,000 per accident if one of those vehicles is involved in an accident with an underinsured or uninsured motorist.

If you are confused about how the Kentucky auto insurance requirements impact your automobile case, speak with a Jefferson County accident attorney.

Contacting a Jefferson County Accident Attorney

An attorney at Gray and White Law can help you handle every aspect of your 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.