The State of Kentucky requires that drivers driving in the roads and highways of Kentucky have liability insurance and no-fault personal injury coverage. If you are caught without this required coverage, you will be fined and possibly lose your plates and drivers license. The required minimum liability car insurance for Kentucky is $25,000 for one person bodily injury per accident, $50,000 for two or more people bodily injury per accident and $10,000 for property damage. For the no-fault the car insurance provider is required to pay the limit of $10,000. This means that whoever is at fault, your car insurance will have to pay up to $10,000. If the incurred expenses exceed the amount of $10,000 than the driver who is at fault must be established. He or she will then pay for the exceeding amount.

In other words, under the no-fault system, regardless of who was responsible for the accident, your personal injury coverage will compensate you the appropriate amount of not more than $10,000. This system was created so that the parties will not have to settle in court for minimum damages. On the other hand, this limits your right to sue. If you do not want this limitation, you can reject the no-fault insurance coverage. To do this, you must first get the appropriate form from the Kentucky Office of Insurance or from your car insurance provider. Complete it and then file it with the Office of Insurance of Kentucky.

As a driver in Kentucky it is your responsibility to have proof of your insurance coverage. Therefore, you should always keep a copy of your proof of car insurance in your vehicle. Otherwise you will be fined and cited for a violation. Your insurance company on the other hand has the responsibility to give this to you and to provide proof of your insurance to the County Clerk.

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