Auto Insurance

When it comes to your vehicle, it's vital that you're protected with auto insurance. Not only can auto insurance protect against excessive financial losses, but auto insurance is also mandatory for drivers in Kentucky. Here's everything you need to know about Kentucky auto insurance requirements and coverage options.

Auto Insurance Requirements and Regulations in Kentucky

To operate a vehicle in Kentucky, you must have insurance. Drivers who fail to maintain vehicle insurance will have their vehicle registration revoked. They'll also be subject to a fine, jail time, or both.

All motor vehicle operators must have minimum liability coverage. Additionally, the auto insurance policy must have basic reparations benefits unless the insured vehicle is a motorcycle.

Exceptions and exemptions to Kentucky's requirement include:

• Students attending college inside or outside of Kentucky - Students can keep their home-state insurance and registration but must always carry their student identification card when driving.
• Active-duty military - Those that serve as active duty military may use out-of-state insurance to title and register their vehicle in Kentucky.
• Those temporarily living outside Kentucky - If the vehicle is registered in Kentucky, it must be insured by an insurance company authorized in Kentucky, regardless of where the individual is temporarily living.

Auto Insurance Coverage Options in Kentucky

Aside from the minimum liability coverage for auto insurance in Kentucky, there are various other options. The legal coverage minimum will cover the other vehicle's damage in the case of an accident, but other coverage options can also cover your vehicle and medical bills. Other coverage options can protect your car if it's been damaged or destroyed by fire, if your vehicle has been stolen or if an uninsured driver has damaged your vehicle.

To learn more about coverage options for your vehicle, contact Stewart & Tucker Insurance LLC for a free auto insurance quote.