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Under the state law, auto insurance policies must carry coverage for liabilities no lesser than $25,000 for individual personal injury, $50,000 for total injuries per accident, and $10,000 for property damage. More commonly, this provision is known as the 25/50/10. These amounts are set minimum limits though individual policyholders may choose to purchase higher coverage if they wish.

Failure of producing proof of having an auto insurance policy in Kentucky leads to imposition of fines and losing driver’s license. The registered plates of a particular vehicle may also be confiscated.

The state implements a choice no-fault system in which motorists who figure in accidents have a choice of making settlement claims to their own insurance companies regardless of who is at fault or they may also choose to exercise their right to sue the other driver for expenses and losses incurred. However, lawsuits are only permitted if the expenses amounted to more that the minimum amounts set by the state. Those who choose not to purchase a no-fault insurance coverage must also file a special form obtained from the Kentucky Office of Insurance.

Those who got involved in accidents may find their premium rates being increased by their insurance provider and will impose this surcharge for the period of at least two years after the occurrence of the accident.

Under state law, each licensed driver is required to purchase coverage for personal injury protection which pays for medical expenses incurred in connection with injuries, funeral expenses, and compensation for lost wages. The state also requires drivers to obtain persona injury coverage for their passengers so as to address any expenses and losses incurred by them during accidents, even if they are not personally related to the driver. However, it is not only the coverage for personal injury that auto insurance consumers should opt for. More often than not, they might find themselves needing to purchase additional coverage for theft, fire, vandalism, hail or wind damage, or for hitting animals. These instances are provided for under the comprehensive coverage and might be considered a good move for those living in areas where there are distinct possibilities for these adverse events to happen.

Those who find the basic coverage for personal injury inadequate can also purchase additional personal injury protection coverage that will allow policyholders to file for higher coverage for medical expenses and lost wages.