What is the minimum coverage for auto insurance in Kentucky?

Most states require all drivers and cars be covered by auto insurance. This is to ensure that when an accident happens, people are not stuck in a months long court battle before anyone gets compensation for their injuries. Essentially, the idea is to speed up the process to save money and effort. However, if your auto insurance policy does not provide minimum coverage, then it could be subject to cancellation by your insurer. It is possible for less reputable insurance agents to try and sell you invalid policies. This article will go over what makes a policy valid in Kentucky so that your coverage is not put in jeopardy.

Kentucky requires that you have the two following types of coverage: bodily injury and property damage. Bodily injury coverage covers costs with injuries or fatalities that you cause. Property damage coverage covers physical things. Kentucky requires the following minimums:

  • You must have $10,000 coverage for property damage.
  • You must have $25,000 for bodily injury, per person.
  • It must cover $50,000 for total bodily injury, per accident.

You must have valid Kentucky coverage within 15 days of establishing residency in the state. This does not mean when you find your dream house or apartment but when you actually move to the state. Additionally, to register your vehicle, your insurance must meet these minimum standards. Kentucky uses the KYTC system to verify that your insurance is valid, if your agent declines to run your insurance through this system, then you know something is not right.

If you or a loved one was recently in a car accident, then you may want to sit down with a lawyer. The last thing you want is a cancellation or denial of coverage letter from your insurer, and when you look for your agent, he is nowhere to be found. An attorney can review your policy and your situation to help assess whether or not you are covered. Don't put all of your faith in the insurance agent, confirm that your policy is valid and enforceable.

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T.J. Smith, Attorney at Law
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