What You Should Know About Kentucky Auto Insurance Requirements (Part A)

Kentucky auto insurance requirements are important to know because they could have an impact on the outcome of a claim if you were injured in an accident in Louisville. Failure to carry the minimum insurance requirements could hurt your case.

Schedule a consultation with a Louisville accident attorney to learn what your legal rights are and what your next step should be if someone else’s careless or reckless actions caused you to sustain serious injuries. You may be entitled to recover damages for the injuries you have sustained.

Minimum Kentucky Auto Insurance Requirements

In the state of Kentucky, the following auto insurance coverage is required:

• property damage liability;
• bodily injury liability; and
• personal injury protection (PIP).

There are minimum amounts on each type of coverage that must be carried. However, it doesn’t mean you can’t increase those amounts. It is always in the best interest of a motorist to carry as much coverage as possible.

This is due to the fact that no one can ever know how much of a financial loss will be experienced after an accident in Louisville. Your medical costs could be greater than the amount of insurance you carry.

You may have legal options available, such as a pursuing a claim against the other driver and holding him or her liable. To learn if this is an option after your accident in Louisville, you should contact a Louisville accident attorney as soon as possible.

Kentucky Auto Insurance Requirements: Property Damage Liability

Property damage will cover damage done to another individual’s property. It may include not only vehicles, but also other property damaged as a result of a collision, such as a fence or house.

The minimum amount of property damage liability that Kentucky residents must carry is $10,000. It is always a good idea to carry as much as possible. On average, most individuals carry at least $50,000 in property damage coverage.

Keep in mind that if you seek to file a personal injury claim, you must have sustained injuries, not just property damage. You can always discuss your options with an accident attorney in Kentucky.

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