To drive safely and legally in Kentucky, you must obtain auto insurance coverage. At Daniel Fabulic Agency, we make it easy for you to choose the right policy for your needs at an affordable rate. Our agents have many years of experience helping residents in Louisville, KY, protect their cars, SUVs, vans and motorcycles. As an independent agency, we have the ability to shop many different carriers to find the right balance of coverage and price for our clients. Our certified agents can help you find a policy to cover your family while you drive at a monthly premium you can afford. We will also help find discounts available to you such as safe driver or good student discounts. Bundling home and auto insurance policies can add even greater savings on top of the various discounts available. Contact Daniel Fabulic Agency today for a free quote and peace of mind.
State-Required Auto Insurance Policy
In Kentucky, you are required to maintain bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage. to lawfully operate a vehicle. If you are caught driving without a policy that meets the minimum coverage requirement for each, you face serious fines and license suspension. Additionally, you could owe thousands of dollars in medical fees, legal fees and the costs to restore other people’s property if you do not have insurance.
Bodily Injury Liability
Kentucky law requires you to carry bodily injury liability of $25,000 per person and $50,000 per accident. This type of coverage pays out if an accident for which you are responsible leads to permanent injury or death of another person. It also covers the costs of your legal fees if you are sued and require representation. Bodily injury liability covers you while you are driving your car and protects you if you drive another vehicle and cause an accident.
Property Damage Liability
You are also required to maintain $10,000 per accident of property damage liability auto insurance. This type of insurance pays for damage you cause to another person’s property in an accident for which you are at fault. This damage can include damage to another vehicle or other property, such as a home or bicycle. Without adequate property damage liability coverage, you could be found responsible for thousands of dollars of damage to property.
Personal Injury Protection
In Kentucky, you are required to maintain $10,000 personal injury protection coverage to legally own and operate your vehicle. Personal injury protection is also known as no fault insurance because it covers you up to your limits when you are injured in an accident, regardless of who is responsible for causing the accident. It also covers other people in your car who do not own a vehicle themselves, including children. Personal injury protection can be rejected in writing.
Uninsured Motorist Coverage
Kentucky requires drivers to maintain uninsured motorist coverage at $25,000 per person and $50,000 per accident. This coverage protects you in the event you are in an accident with someone who does not have auto insurance. In Kentucky, you may reject this coverage in writing as well if you choose.
Additional Auto Insurance Coverage
While not legally required in Cutler Bay, Doral, Homestead or elsewhere in Kentucky, additional insurance coverage is a smart idea for many clients. Bodily injury liability, comprehensive coverage and collision coverage provide extra protection when the unexpected occurs.
Collision coverage helps pay for damage to your vehicle caused in a collision, caused by you or another. This type of coverage is usually compulsory if you are making payments on your vehicle or leasing it. Even if you fully own your car, you may opt for collision coverage to protect your investment and ensure that your car will be restored after a crash.
Comprehensive coverage pays for damage to your vehicle other than what is caused during a collision. This can include damage caused by theft, fire, natural disasters such as a tree falling on your car. Comprehensive coverage helps complete the umbrella of protection for many of our auto insurance clients.
Catering Coverage to Your Needs
Our agents have helped clients in Louisville, Kentucky find the best coverage for their needs for more than a decade. We are passionate about keeping our clients covered at affordable rates. Contact Daniel Fabulic Agency today for a free auto insurance quote in Louisville, Kentucky.