Frequently Asked Questions

No, you may not.Residents of a given state are required to have auto insurance that is issued by and approved by their state of residence. Even if you are living outside of the state for an extended period of time, as long as you are considered a Kentucky resident, you must have your resident state s insurance coverage. In addition, drivers are not only required to have car insurance in their new state, but they must also cancel policies in their previous state of residence.

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Yes, you do. It is a state requirement that drivers who move to another state must cancel their previous policies, as the vast majority of car insurance plans do not cover their drivers if they move out of state. Additionally, it is required that moving drivers obtain the mandatory state car insurance and liability amounts of their new state of residence. In the state of Kentucky, these drivers need to purchase bodily injury and property damage coverage.

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In the state of Kentucky, the Transportation Cabinet imposes a number of penalties to those who operate a vehicle without KY car insurance. However, drivers license suspensionis not one of these penalties license plate suspension is. In order to avoid any issue with the Kentucky Transportation Cabinet, simply visit your local Circuit Court Clerk s officeand turn in your license plates and vehicle registration to show that you will no longer be driving. By doing so and giving up your driving privileges, you will not be penalized in the future.

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There is a certain protocol that must be followed in the event of a car accident. This is important to remember if a police officer does not show up to the scene. In the event an accident occurs, the driver should meet with the other driver to exchange information. Personal information, vehicle information and car insurance details should be exchanged. Additionally, if a police officer does not investigate the scene, and the accident resulted in property damage of more than $500, it is the responsibility of the driver to file a written report with the Department of Kentucky State Police. This report must be filed within 10 days of the accident occurring forms are provided by the department.

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Yes, you are. As long as you are a resident of the state of Kentucky, you are required to maintain the car insurance minimums required by the state. This means that you must hold each required type of coverage as well. As for how long you are outside of the state, it does not matter. If you are still considered a resident of the state of Kentucky, you must hold state-approved and state-issued car coverage.

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Each state has a minimum level of liability insurance coverage that each of their drivers must hold. Not having this minimum auto insurance makes it illegal for said residents to drive within the state.

In the state of Kentucky, these car insurance minimums are as follows:

• Bodily injury liability coverage: $25,000 per person
• Bodily injury liability coverage: $50,000 per accident
• Property damage liability coverage: $10,000

The consequence of driving without minimum coverage and breaking this law includes serious penalties.

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Drivers in the state of Kentucky are required to show proof of KY auto insurance in a variety of situations. One of the most common situations involves obtaining Kentucky car registration for a vehicle. If you are registering a vehicle, in addition to a number of other documents, you will have to provide one of the following proofs of coverage:

• A car insurance card
• A copy of your insurance policy
• An insurance binder
• A letter from your insurance provider on the company s letterhead

Another instance in which proof of coverage is required is when transferring car titles.

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When living and driving in the state of Kentucky, residents are required to hold KY car insurance. The types of insurance that they are required to hold include a few different important categories. These coverage types include:

• Bodily injury liability coverage, for the injury or fatality of one person.
• Bodily injury liability coverage, for the injuries or fatalities of multiple people.
• Property damage liability coverage, for damage caused to another person s property.

In addition to having the necessary types of coverage, drivers are also required to hold certain minimum amounts of auto insurance.

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Having Kentucky car insurance is a requirement by the state Transportation Cabinet. Those drivers who choose not to purchase the necessary coverage may incur serious penalties if caught by a police officer. Some of these penalties include:

• Traffic fines up to $1,000.
• License plate suspension.
• A maximum of 90 days in jail.
• A “high-risk” driver designation on your auto insurance policy.

Thus, it is highly recommended that you purchase the necessary coverage before getting behind the wheel of a vehicle in the state of Kentucky.

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There is a wide variety of vehicles that must have auto insurance in the state of Kentucky. Some of the most common examples are as follows:

• Passenger vehicles
• Mobile homes
• Motorcycles
• Trucks
• Commercial cars
• Commercial trucks

Not having vehicle insurance for these automobiles is very dangerous. Additionally, being caught without coverage can result in serious fines, license plate suspension and more.

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