Call for a free consultation

Skyline

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.

No Comments

Leave a comment
Comment Information
Question Mark

Do I Have A Case?

Bold labels are required.

Please note that First AND/OR Last Name, and Email AND/OR Phone are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

T.J. Smith I'm Your Lawyer

T.J. Smith... He'll Make 'Em Pay!
T.J. Smith... He'll Make 'Em Pay!

T.J. Smith, Attorney at Law
600 W Main Street Suite 100
Louisville, KY 40202


Phone: 502-792-7937
Phone: 502-589-2560
Phone: 270-261-4114
Fax: 502-540-1200

Louisville Law Office Map

  • The American Trial Lawyers Association - Top 100 Trial Lawyers
  • Multi-Million Dollar Advocates Forum
  • American Association for Justice
  • America's Most Honored Professionals
  • Kentucky Justice Association
  • Best of Louisville