Kentucky No Fault Auto Insurance

Kentucky is one of twelve states that use a no fault insurance system, but it is also part of a smaller subset that allows policy holders to opt out of the no fault system. No fault insurance providers pay out no matter who was at fault. Because there is no fault to be decided payments for medical bills and lost wages are quicker than the other choice in Kentucky, tort or traditional insurance.

Having a choice means Kentucky residents need to weigh the pros and cons before deciding which policy is right for them. Most good drivers choose traditional insurance and bad drivers choose no fault insurance. There is much debate over whether or not this system does enough to encourage good driving because bad drivers are not punished.

Auto insurance companies licensed in Kentucky will automatically report your no fault car insurance coverage to the Kentucky Department of Motor Vehicles (DMV). Kentucky insurance companies must also report cancelled or dropped no fault auto insurance to the DMV to ensure that all cars in the state are in compliance with the law.

Kentucky no fault insurance law requires coverage minimums of $50,000 for bodily injury and $10,000 for property damage. The monetary threshold is $1,000. If medical bills exceed this amount motorists are allowed to sue for personal injury. The ability to sue after a certain threshold and the choice to opt-out makes Kentucky far from being pure no fault insurance.

Helpful Kentucky No Fault Auto Insurance Links:

Kentucky Auto Insurance Quotes

Free Kentucky auto insurance quote links are made available to you below. To get a free auto insurance quote in Kentucky, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your Kentucky auto insurance online.

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