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Auto Accidents

Auto Insurance

The state of Kentucky has minimum liability insurance laws to protect drivers when using state highways and roads. You must carry at least the minimum liability insurance on your auto insurance policy.

What is the State's Minimum Liability Insurance Coverage?

You must have four types of insurance on your auto to be state compliant. The minimum amount for injuries to one person per accident is $25,000 in bodily injury liability insurance. You must also carry $50,000 for bodily injuries of two or more people per accident and $25,000 for property damage to others. Kentucky law mandates that you also carry $10,000 in personal injury protection insurance that pays out to you for injuries from an accident no matter who was at fault. This protects you from loss of wages, medical expenses, pain and suffering and any other related costs to the injuries.

What are Additional Types of Auto Insurance?

The minimum liability insurance on your vehicles only pays out to others that you injure or when you damage their property in an accident which you are at fault. The best advice from Whitt Insurance Agency is to secure additional insurance coverage that will protect you, your family, and your vehicle.

  • Collision insurance covers the damages to your vehicle in an accident that was caused by a collision. It can pay to repair your car or replace it if it is deemed a total loss.
  • Comprehensive insurance covers damages to your vehicle that are anything other than collision related. This can include theft, vandalism, storm damage, and fire.
  • Underinsured and uninsured motorist coverage will cover you and your passenger's bodily injuries in the case that you are a victim of a hit-and-run accident, the other driver causes the accident and doesn't have enough insurance to cover the medical costs, or if the other driver has no insurance at the time of the accident.

You can use our online rating tool to start an auto insurance policy, visit Whitt Insurance Agency at our office, or give us a call to learn more about auto insurance to protect your assets.