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Posted: Saturday, February 17, 2018 1:09 PM

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The State of Kentucky requires drivers to purchase a car insurance policy that will pay at least $25,000 if one person is injured in an at-fault collision. KY motorists must also carry at least $50,000 in insurance to cover multiple people injured in a single accident. In addition, drivers must have at least $10,000 worth of property damage coverage in Kentucky. This is often referred to as 25/50/10 coverage. If you buy auto insurance coverage to meet the KY financial responsibility law, you must buy at least the minimum amount. Depending on which type(s) of coverage you purchase, auto insurance pays for repair, towing, vehicle replacement, medical expenses, court costs, rental cars, and other expenses. Insurance providers strongly recommend that drivers in KY carry more than the minimum required amount of liability coverage. Choosing a policy that only includes state minimum requirements may help drivers get the lowest premiums. However Kentucky uses the tort system to determine who will pay for expenses that arise as the result of an auto accident. The driver who is found at fault is responsible for paying all of the costs incurred. Some KY insurers offer a lower discount rate for teenagers who have completed a Kentucky Department of Insurance.

For more information on Kentucky, please go to Wikipedia page for Kentucky.

Official State website for Kentucky

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