Kentucky Auto Insurance Laws

Kentucky Farm Bureau Auto

Here, we are going to take a detailed have a look at Kentucky’s “no-fault” auto insurance system, additionally the types of car insurance that drivers must carry under Kentucky law. If you’re looking much more basic information about the appropriate guidelines related to car accidents in Kentucky, you’ll find it within companion article Car Accident rules in Kentucky.

Kentucky is a ‘Choice No Fault’ Motor Insurance State

Kentucky is one of a dozen states which have a no-fault car insurance system set up. In a no-fault condition, each driver’s insurance coverage will usually purchase their own injuries, aside from who was simply responsible for the accident, unless the claim qualifies for exemption from no-fault system.

Another wrinkle in Kentucky usually drivers may decide from the no-fault system once they initially purchase their policy, by electing old-fashioned protection. It’s this that is supposed by "choice no-fault." Nj and Pennsylvania also give drivers the option to choose conventional (tort) coverage when buying a motor vehicle insurance policy. By picking this option, if you are taking part in a car accident, you're able to pursue a liability claim or personal injury suit from the at-fault motorist.

For motorists which elect to stick to no-fault coverage in Kentucky, if their claim fulfills certain thresholds, it will be considered exempt from no-fault principles in order that an obligation claim or suit is achievable. In Kentucky, those thresholds tend to be:

  • $1, 000 in health expenditures stemming from accident, or
  • permanent disfigurement, fracture of a weight-bearing bone; mixture, comminuted, compressed, or displaced fracture of any bone tissue; any permanent damage, or any permanent reduced a human anatomy purpose.

Keep in mind that among the tradeoffs once you decide regarding no-fault is that, when you would after that have the ability to sue other individuals over the car crash, additionally you open your self as much as becoming sued besides.

Minimal Auto Insurance Requirements in Kentucky

Kentucky needs that any operator of an auto preserve certain quantities of responsibility insurance coverage on that car. The minimum protection requirements in Kentucky are:

  • $25, 000 per person involved with an accident
  • $50, 000 total per accident
  • $10, 000 per incident property harm protection

Note: While these are the minimum quantities of coverage you’re required to carry under Kentucky legislation, you are able to (plus many cases most likely should) carry an insurance plan with higher restrictions. If you're liable for any sort of accident and that responsibility exceeds one other celebration’s PIP and also the optimum number of your policy, then you will be on the hook in order to make up the difference from the own pocket.

Uninsured/Underinsured Motorist Coverage

Kentucky cannot need that an automobile insurance coverage feature uninsured or underinsured driver coverage. This coverage option is an element of your personal insurance coverage that provides additional defense if you should be injured by a driver who is completely uninsured, or if your medical or rehabilitative expenses exceed the actual quantity of your PIP protection in addition to at-fault motorist’s plan.


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