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Kentucky Auto Insurance Quotes

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Auto Insurance Information You Need To Know

Auto insurance is not a monolithic thing, meaning it isn't just one big block of insurance where one size fits all. It is a combination of many different types of coverage, the details of which depend upon the policy holder. Some elements of an insurance policy are dictated by the particular state in which the policy holder happens to reside, liability auto insurance being the most common of these. There are other types of coverage that are important for their own reasons, however. Such insurance options like comprehensive coverage, collision coverage, or uninsured motorist coverage could be extremely helpful in the event of an accident.

Liability Coverage

Liability insurance covers property damage and bodily injury, required by law in almost every state. In the law, it is often stated in the following format: 25/50/15. Each number is the amount (in thousands of dollars) that a policy holder is required to maintain. In this example, $25,000 is set aside to cover a single person involved in the accident, while the $50,000 amount is the total amount of coverage for injuries incurred, completely independent of the number of persons involved.

The final number, representing $15,000 is the amount of coverage that pertains to property damage. It includes someone else's car, but it can also include static objects like road signs. A driver who causes an accident without sufficient insurance will have to pay any of those costs out of their personal funds. Considering today's medical and automobile costs, these minimum levels are usually far too low to cover any significant accident, and it is recommended that most policy holders take a higher level of coverage.

Uninsured or Underinsured Motorist Coverage

There are drivers out there in Kentucky who have no or very little insurance. This type of coverage will protect a driver from that sort of person. It will pay for whatever amount the underinsured driver leaves uncovered. If the underinsured driver causes $10,000 worth of damage and is only insured for $5,000, the policy will pay the remaining $5,000.

Collision and Comprehensive Insurance

These types of insurance are actually optional and do not have to be a part of any policy. However, if the driver still has payments on a financed car, the finance company may require the driver to get at least some minimum level of both these types of coverage. Collision insurance covers just that – collisions, but comprehensive coverage covers everything else – weather, fire, vandalism, and so forth, and will pay any costs involved in repairing the damage such events cause.

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

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