Rolling hills, mountainous terrain, Rolling Meadows, and plains are all the part of the panoramic view that is the State of Kentucky.  The Kentucky motorist can enjoy a Sunday drive or travel back and forth to work each day as long as they carry sufficient Kentucky auto insurance. Kentucky auto insurance is still higher than the national average even with a 2.7% drop in auto insurance rates from $2,299 in 2006, to $2,239 in 2007. Kentucky remains among the most expensive states in which to purchase auto insurance.  Individual auto insurance rates will of course vary from person to person.

Kentucky Auto Insurance Requirements

The State of Kentucky has implemented a no fault auto insurance plan in order to keep down costs and keep down the amount of lawsuits within the legal system. The no fault accident rules require that Kentucky auto insurance also include Personal Injury Protection.  With Personal Injury Protection every driver in the state is insured against medical costs, lost of salary, and death benefits occurred as a result of an accident.

Kentucky state also requires that its drivers carry Bodily Injury Protection and Property damage insurance set at 25/50/10 in the event that the at fault driver caused damages that exceeded the basic no fault amounts. Bodily Injury and Property damage insurance is separated into the following categories:

• Bodily Injury Protection – $25,000 is set aside in the event that the at fault driver, has injured another person.
• The cap is set at $50,000 to cover medical expenses for more than one individual hurt in the accident.
• Property Damage – An amount of $10,000 is set aside for property damage to the other driver’s vehicle and other public property that the at fault driver has caused.

The insurance coverage required by Kentucky law is rather low and will not cover the total amount of most claims therefore it is recommended that Kentucky drivers take out more insurance for bodily injury and property damage.

Kentucky requires that motorists in their state also carry Comprehensive and Collision insurance to cover the cost of damage sustained to their own car if the other driver’s insurance could not cover it. This coverage would also protect against damage to the insured’s vehicle should a natural occurrence such as a storm damaged the vehicle or should the vehicle be damaged as a result of contact with the State’s wildlife.

Uninsured/Underinsured Motorist Protection is also recommended for Kentucky auto insurance coverage to protect the driver from a hit or run or if the other driver has no or very little insurance and cannot cover the costs of the damage caused to the insured’s car.