To register and operate your motor vehicle in the beautiful state of Kentucky, by law, you must carry at least the minimum auto liability insurance. Without this coverage, you could face stiff fines from the state or even jail time. And without insurance, if you are responsible for injuries or loss of life in an accident, you could lose all your financial assets to pay damages.
You can easily avoid these consequences by purchasing the liability insurance required by the state:
As an alternative, you may carry a policy with a single limit of $60,000. You must provide proof of insurance when purchasing or financing a vehicle, when registering a vehicle, and when stopped by law enforcement. You must also provide insurance information to other motorists if you are involved in an accident.
Consider Additional Liability Insurance and Full Coverage
The coverage amounts outlined above are the minimums you must have to satisfy the state. However, you may wish to take on more liability coverage if you have a high net worth or a new driver in the household.
For most of our clients, we also recommend getting full coverage auto insurance in addition to liability insurance. Full coverage insurance includes collision and comprehensive protection.
Collision insurance pays for the repair or replacement of your vehicle if you are at fault in an accident or if another party does not have sufficient auto insurance. This is essential if you rely on your car or truck for school, work, or your family’s activities.
Comprehensive insurance covers your vehicle in the event of theft or vandalism. It also protects it after damage or loss due to fire, storms, and many natural disasters.
Let Us Tailor an Auto Policy to You
Every auto insurance client is different, which is why working with independent insurance agents can be beneficial to you. At Bilz Insurance, we have far more auto insurance options at our fingertips than you’ll find elsewhere. We take the time to get to know every policyholder and can grow with you as your insurance needs change, such as adding young drivers or insuring your motor toys, too.
Don’t risk going without the auto insurance you need to drive legally in Kentucky. Call us at 859-431-1235 today or get in touch online to start a quote.