In the state of Kentucky, you must carry at least the minimum liability insurance on your motorcycle to operate it on the state highways and roads.
What are the Minimum Liability Coverages in Kentucky?
The minimum amount of motorcycle insurance that you must carry is $25,000 for bodily injury of others per one person, $50,000 total bodily injury of others in one accident and $25,000 for property damages that you cause. These liability insurance policies only pay out to others that are injured or their property that is damaged in the event that you caused the accident.
What are Additional Types of Insurance Coverage for Yourself?
Safety is a great concern when you ride a motorcycle because you are not surrounded by a steel body as you are in a vehicle and your chances increase of extreme injury. Kentucky is a no-fault state and you must have personal injury protection on your vehicles, but it is not a requirement for your motorcycle insurance. However, it is meant for your own protection and a very valuable item from Whitt Insurance Agency. Personal injury protection covers your medical costs when you are hurt in an accident, no matter which party is at fault. Medical costs can be very high in motorcycle accidents, and this addition to your policy can help to protect your assets.
Collision insurance will cover the costs to repair or replace your motorcycle if it is involved in an accident. Comprehensive coverage pays for damages to your motorcycle that are not accident related, such as theft, hail damage, or falling limbs. Medical payments payout after your personal injury protection has been exhausted. These two types of coverage together will give you the best protection possible. Towing and labor can pay for your motorcycle to be moved to a shop for repairs if it should breakdown on the side of the road. Underinsured and uninsured motorist coverage will pay out to you in the case that the other driver doesn't have insurance or doesn't have enough coverage to cover your costs related to the accident.
You can come by our office at Whitt Insurance Agency or give us a call to get more information on motorcycle insurance. We are here to help you and make sure you have all the coverage that you need.