All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Kentucky is $25,000 for injury, $50,000 for all injuries, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.
Kentucky is a ‘choice’ No-fault state. Kentucky drivers have the option to purchase Personal Injury Protection coverage (PIP) in the amounts of $10,000 for injury and lost wages, INSTEAD of the minimum liability coverage.
You are required to carry proof of insurance in your vehicle.
The list below constitute legal proof of insurance:
This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.
There are some offenses in Kentucky that cause for an immediate suspension hearing.
They are as follows:
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