What are the Kentucky Automobile/Motorcycle Insurance Requirements?
Motor Vehicle Insurance Requirements Kentucky law requires drivers to have at least $10,000 in personal injury protection or PIP (see following section for details) and $10,000 in property damage liability, which pays for damages you cause with your car to other parties’ autos and property. Nearly everyone should have substantially more than these minimum amounts of insurance including medical payment coverage and enhanced property liability and many of the items described below. PIP – Personal injury protection is a no-fault type of coverage that pays you and covered family members for certain accident-related medical expenses regardless of who caused the accident. Basic PIP covers these items, up to the dollar limits of your coverage: • reasonable medical expenses. • lost wages and replacement services, such as childcare, home or even yard cleaning. • death benefits. • For higher premiums, you can purchase medical payment coverage and lower or eliminate deductible. • Different insure
