Since each state has its own guidelines regarding the minimum amount of car insurance drivers must purchase, it’s important to know what the specific requirements are where you live. If you’re a new driver in Kentucky or it’s time to renew your policy, you’ll need to become familiar with the state’s laws before choosing your plan. Fortunately, for residents in Somerset, KY, the insurance agents at Cundiff & Company Insurance make it easy to fulfill coverage obligations. In addition, they offer extra options that give drivers even more protection.

In Kentucky, all drivers are responsible for carrying both bodily injury and property damage liability insurance. Bodily injury policies must amount to at least $25,000 per person and $50,000 per accident to pay for medical expenses related to a collision. The minimum you must have in property damage coverage is $10,000, which pays for damages you might cause to another person’s property. Another thing to be aware of is Kentucky operates under a no-fault system. This means no matter who causes an accident, your car insurance provider will compensate for injury claims up to a certain limit.

You may also choose to add more protection and enhance your financial security, even though it’s not mandatory. Other types of policies available include comprehensive and collision coverage and uninsured/underinsured motorist coverage. Comprehensive and collision insurance will pay for repairs to your vehicle if it’s been damaged or stolen. Uninsured and underinsured policies will reduce your risk of loss from getting into an accident with someone who isn’t properly insured.

Failure to meet Kentucky’s minimum car insurance requirements while operating a vehicle may result in hefty fines and other penalties. To save yourself money and avoid a major headache, it’s essential to be correctly covered. Contact Cundiff & Company Insurance at (606) 679-8379, or visit them online to learn more about getting a free, no-obligation insurance quote today.