The state of Kentucky follows a No-Fault
system meaning your insurance company will make payments for
your injury claims regardless of fault, up to a specified limit.
You should be aware that the details of a no-fault system vary
from state to state and it is best to check with your state
insurance regulator.
Visit our
State Insurance Regulators page for a list of links to all
the state insurance regulators websites.
Kentucky state law requires minimum Bodily
Injury Liability coverage of $25,000 per injured person up to a
total of $50,000 per accident, and Property Damage Liability
coverage with a minimum limit of $10,000. This basic coverage is
often referred to as 25/50/10 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. While Kentucky state law
does not require a minimum Personal Injury Protection, some
insurers offer this as an optional coverage.
Additionally, you can get
Uninsured/Underinsured Motorist coverage for any bodily injury
caused by an uninsured driver. While Kentucky state law does not
require this coverage, you can purchase this as an optional
coverage for added protection.
