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The Facts Behind Auto Liability Insurance

Auto insurance liability is the heart of any car insurance policy. It is important to understand the details involved so the right amount of coverage is obtained. The purpose of this article is to provide definition for some basic terms anyone looking for car insurance in Kentucky should know.

Liability Insurance Coverage is a basic form of coverage that includes payment for bodily injury or property damage caused by the policy holder, in the event of a vehicular accident. Both medical costs and repair costs are covered under a policy with liability insurance coverage.

Bodily Injury (BI) Coverage is also strongly recommended. Liability insurance will cover someone else's injuries caused by a car accident when the policy holder is at fault. The limits of this coverage are usually summarized in a form such as 40/70/30. There are different categories that are covered, such as the cost of injuries to one person, or the total amount of payment the insurance company will make in the event of an accident. In the above example, $40,000 will be paid out to cover an injury for a single person, up to $70,000. The 30 will apply to property damage, which is detailed below. Not all insurance policies split costs in this way, however. Some elect to just have a single combined limit.

Property Damage Insurance is necessary when the policy holder causes damage to another person's property in the event of a car accident. This property could be the other person's vehicle, or it could be a stationary object, like a home or a mailbox. In a split-limit policy like the one detailed above, the ‘30' would be the amount of property damage insurance in thousands of dollars.

Minimum liability insurance are coverage levels that are legally required in some states. Such a level of coverage is typically low and it is highly recommended for any policy holder to pick higher levels of coverage than what is minimally required by law. No one can see the future, or know just how much damage will be caused should an accident occur, so it's a good idea to remain adequately covered. In the case an accident does occur, it's best to avoid the financial difficulties that might arise. It may be tempting to lower liability insurance in order to save some money, but in the end the lack of coverage may cost far more money than it could have ever saved.

Lowering the liability coverage will lower the costs of the premium, of course, but instead of lowering it as low as it will go, find a middle ground. Consider how much is possible to pay out of pocket in the case of an accident and work from there.

Free Auto Insurance Quotes in Kentucky

Adair County
Grant County
Mclean County
Allen County
Graves County
Meade County
Anderson County
Grayson County
Menifee County
Ballard County
Green County
Mercer County
Barren County
Greenup County
Metcalfe County
Bath County
Hancock County
Monroe County
Bell County
Hardin County
Montgomery County
Boone County
Harlan County
Morgan County
Bourbon County
Harrison County
Muhlenberg County
Boyd County
Hart County
Nelson County
Boyle County
Henderson County
Nicholas County
Bracken County
Henry County
Ohio County
Breathitt County
Hickman County
Oldham County
Breckinridge County
Hopkins County
Owen County
Bullitt County
Jackson County
Owsley County
Butler County
Jefferson County
Pendleton County
Caldwell County
Jessamine County
Perry County
Calloway County
Johnson County
Pike County
Campbell County
Kenton County
Powell County
Carlisle County
Knott County
Pulaski County
Carroll County
Knox County
Robertson County
Carter County
Larue County
Rockcastle County
Casey County
Laurel County
Rowan County
Christian County
Lawrence County
Russell County
Clark County
Lee County
Scott County
Clay County
Leslie County
Shelby County
Clinton County
Letcher County
Simpson County
Crittenden County
Lewis County
Spencer County
Cumberland County
Lincoln County
Taylor County
Daviess County
Livingston County
Todd County
Edmonson County
Logan County
Trigg County
Elliott County
Lyon County
Trimble County
Estill County
Madison County
Union County
Fayette County
Magoffin County
Warren County
Fleming County
Marion County
Washington County
Floyd County
Marshall County
Wayne County
Franklin County
Martin County
Webster County
Fulton County
Mason County
Whitley County
Gallatin County
Mccracken County
Wolfe County
Garrard County
Mccreary County
Woodford County

Major Cities in Kentucky

Frankfort
Lexington
Louisville


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