Reader’s Question:

Is it required to have auto insurance in Kentucky? If so, is it safe to get a free auto insurance quote from the Internet, so I can decide better on which company to get?

Diane

Louisville, KY

The State of Kentucky financial responsibility laws dictate that all of motorists be accountable for accidents they may cause. The best way to demonstrate compliance with these laws is by obtaining auto insurance coverage. This coverage is what the insured can count on for the necessary financial assistance following road accidents. The minimum liability insurance of 25/50/10 is required for every driver. $25,000 pays for hospital care of the other party, while an amount up to $50,000 pays for all bodily injuries sustained by the other passengers in the other party’s vehicle. If there were properties destroyed in the accident, then 10,000-dollar maximum will be there to cover for the damages.

Although not a prerequisite, getting the Collision and Comprehensive Insurance will be a sound investment. This is because liability insurance will not reimburse repairs to your vehicle if it was wrecked in the accident. Having Personal Injury Protection (PIP) is also highly recommended. If this is in effect at the time of an accident, then you need not worry about your medical payments after a traffic accident because this insurance will shoulder them for you. This auto insurance also covers you if you become a victim of hit-and-run. You may also get the supplemental Uninsured Motorist Insurance to protect yourself from the increasing number of drivers out there who take their chance and drive without insurance.

Always remember that getting higher coverage limits is the way to go especially if you wish to protect not only your life but assets, as well. So start that comparison shopping by visiting various websites that offer free auto insurance quote.

 

 

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