Q: Does no-fault coverage include property damage?

No-fault coverage doesn’t include property damage, so drivers and passengers can file a property damage claim against the at-fault driver. In Kentucky, drivers must carry liability insurance, so if a property damage claim gets filed, the at-fault party’s liability insurance will cover property damage costs up to the coverage limit.

Question 1

What type of car insurance does Kentucky require?

Accepted Answer

All Kentucky drivers must carry minimum liability insurance, including:

$25,000 bodily injury per person per accident
$50,,000 bodily injury per accident
$25,000 in property damage liability

Question 2

What is full coverage auto insurance in Kentucky?

Accepted Answer

A policy providing more coverage than the required state minimum liability insurance is considered full coverage insurance in Kentucky. For example, full coverage includes state minimum liability coverage alongside comprehensive, collision, and uninsured/underinsured motorist insurance.

Question 3

Is Kentucky a no-fault state?

Accepted Answer

Yes, Kentucky is a choice no-fault state. Drivers can opt out of no-fault coverage, allowing them to sue and be sued for damages in the event of an accident. If you wish to opt out of no-fault coverage, speak to your insurance company or the Kentucky Office of Insurance.

Question 4

Does no-fault coverage include property damage?

Accepted Answer

No-fault coverage doesn&#8217;t include property damage, so drivers and passengers can file a property damage claim against the at-fault driver. In Kentucky, drivers must carry liability insurance, so if a property damage claim gets filed, the at-fault party’s liability insurance will cover property damage costs up to the coverage limit.

Question 5

How long do I have to get insurance after moving to Kentucky?

Accepted Answer

Drivers new to Kentucky have 15 days to register their vehicles after relocating to the state.

Question 6

What are the penalties for not having car insurance in Kentucky?

Accepted Answer

In Kentucky, drivers face the following penalties for driving without auto insurance:

Fine of $500 to $1,000
Up to 90 days in jail
Registration cancellation

Question 7

Who isn’t required to have Kentucky auto insurance?

Accepted Answer

Student drivers from out of state, active-duty service members, and temporary residents don&#8217;t need Kentucky auto insurance.

Question 8

What information do insurers use to calculate Kentucky car insurance rates?

Accepted Answer

Insurance companies consider the following information to calculate insurance rates:

Vehicle. Vehicle year, make, model, safety features, ownership, and repair costs.
Mileage. High mileage increases the chance of an accident, meaning drivers behind the wheel less often may see lower rates.
Age. Older, mature drivers are less likely to be involved in an accident, especially compared to younger drivers between 16 and 25 with less driving experience.
Gender. Compared to males, female drivers are less likely to be involved in an accident or drive under the influence, so their rates tend to be lower.
Credit score. Credit score predicts the chances of a driver getting in an accident, and a low score means you&#8217;re a risky driver who&#8217;s likely to file an auto insurance claim.
Location. State minimum coverage requirements, vandalism, theft, and accident rates, where the vehicle is parked, and the area type, whether rural or urban.
Driving record. Insurers review driving records to confirm certain details about your driving history, including years of driving experience, traffic violations, and accidents.
Type of coverage. Type of coverage, coverage limits, and deductible amount impact your rates.

Question 9

How can I save money on car insurance in Kentucky?

Accepted Answer

You can find the cheapest insurance in KY by following these tips:

Shopping around
Bundling insurance policies
Removing coverage
Adjusting deductibles
Improving your credit score
Reviewing available discounts

Question 10

Which insurance companies offer car insurance in Kentucky?

Accepted Answer

The following car insurance companies offer insurance in Kentucky:

Geico
Nationwide
Liberty Mutual
Progressive
State Farm
Allstate
USAA

Question 11

How much is Kentucky auto insurance?

Accepted Answer

Minimum auto insurance in Kentucky is an average of $55 per month, and full coverage auto insurance in Kentucky is an average of $168 per month.

Question 12

Why is Kentucky auto insurance expensive?

Accepted Answer

Kentucky auto insurance rates are expensive because of location factors like crashes and weather. Getting Kentucky auto insurance quotes from multiple different companies will help most drivers find savings.

Question 13

Is it illegal to not have auto insurance in Kentucky?

Accepted Answer

Yes, it is illegal to not carry Kentucky auto insurance if you are a Kentucky resident.

Question 14

Do I need uninsured motorist coverage in Kentucky?

Accepted Answer

You are not legally required to have uninsured motorist coverage in Kentucky, but it can be a useful coverage to add onto your Kentucky auto insurance policy.

Tag: kentucky auto insurance

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Kentucky Auto Insurance (2024)

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