KENTUCKY
AUTO INSURANCE

Liability insurance is sufficient when paying for damage to another person's property or vehicle. But if your car is dented, damaged, or totaled, liability coverage won't pay to get your vehicle fixed. To repair your vehicle after an accident, you'll need collision coverage.

Collision coverage will help pay for the cost of repairs to your car caused by another vehicle or object.

*Although collision coverage is not required by law, it may be required in your car loan or lease contract by your lender.

Collision insurance won't pay to get your vehicle fixed if your car is stolen, vandalized, or damaged by weather. To fix your vehicle in these scenarios, you'll need comprehensive coverage.

Comprehensive auto insurance covers almost all damage done to your vehicle that wasn't caused by a collision.

*Although comprehensive coverage is not required by law, it may be required in your car loan or lease contract by your lender.

If an uninsured or underinsured driver crashes into you, you may face significant financial difficulties. However, purchasing uninsured/underinsured motorist coverage can help keep you protected.

With this type of coverage, your insurer will cover the bill for any vehicle damage and health care expenses you incur due to the collision, up to your policy's limit.

Although $25,000 may seem like an ample amount to cover bodily injury-related expenses, medical bills can quickly exceed that amount. We encourage policyholders to purchase coverage with higher bodily injury limits to protect their assets in the event one or more person is injured in a collision that they caused.

You can also opt to purchase a policy that has a higher property damage limit than the state's requirement. This additional layer of coverage could save you thousands down the road should you be held financially responsible for any damage caused to a private building or vehicle in an accident.