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Kentucky Auto Insurance: What You Need to Know

Kentucky Auto Insurance: What You Need to Know

As a driver in Kentucky, you are required to have auto insurance. This is to protect you and your passengers in the event of an accident. Auto insurance can also help to protect you from financial ruin if you are sued for damages after an accident.

There are a few different types of auto insurance coverage that are required in Kentucky. These include:

  • Bodily injury liability: This coverage pays for the medical expenses and lost wages of people who are injured in an accident that you cause.

  • Property damage liability: This coverage pays for the damage to property that you cause in an accident.

  • Uninsured motorist coverage: This coverage pays for your medical expenses and lost wages if you are injured in an accident by an uninsured driver.

  • Underinsured motorist coverage: This coverage pays for your medical expenses and lost wages if you are injured in an accident by a driver who has insufficient insurance.

In addition to these required coverages, you may also want to consider purchasing additional coverages, such as:

  • Collision coverage: This coverage pays for the damage to your own vehicle if you are involved in an accident.

  • Comprehensive coverage: This coverage pays for the damage to your own vehicle if it is stolen or damaged by something other than a collision, such as a fire or flood.

  • Medical payments coverage: This coverage pays for your medical expenses, regardless of who is at fault in the accident.

  • Rental car reimbursement: This coverage pays for the cost of a rental car if your vehicle is inoperable due to an accident.

The cost of auto insurance in Kentucky varies depending on a number of factors, including your age, driving record, and the type of vehicle you drive. You can get quotes from different insurance companies to compare rates.

It is important to have auto insurance in Kentucky. If you are involved in an accident and you do not have insurance, you could be held personally liable for the damages. This could result in financial ruin.

If you have been injured in an accident, you should contact an experienced personal injury attorney as soon as possible. An attorney can help you to understand your legal rights and options, and can fight to get you the compensation that you deserve.

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