Auto Insurance Bowling Green
Kentucky Penalties for Driving Without Car Insurance
In the Commonwealth of Kentucky, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. If your personal vehicle is identified as uninsured, the vehicle’s registration will automatically be canceled thirty days after you receive an Uninsured Notice from the Kentucky Transportation Cabinet’s Department of Motor Vehicle Regulation. Registration will not be restored until proof of insurance is provided to your County Clerk. Are you looking for home insurance?
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What Makes Up a Policy
Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Minimum Requirements in Kentucky
- Kentucky state law requires all vehicles to be covered by liability coverage and no-fault personal injury protection.The Kentucky Department of Insurance provides additional information in the Kentucky Driver Manual.
- Liability Coverage minimums:
- $25,000 per single bodily injury or death.
- $50,000 per multiple bodily injury or deaths.
- $10,000 for property damage.
AmeriAgency has offered auto insurance coverage in Kentucky for years. Car insurance coverage you may need in Kentucky:
- Bodily injury liability
- Property damage liability
- Uninsured and underinsured motorist bodily injury
- Uninsured and Underinsured motorist property damage
- Medical payments
- Comprehensive
- Collision
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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!