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Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not.
When calculating your kentucky automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your kentucky auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your kentucky auto insurance rate as well as the driving record of any family members covered under your kentucky auto insurance policy.
Even within the state of Kentucky, auto insurance rates have changed over the past few years. Comparing the current kentucky car insurance rate to the numbers from a few years back, the average kentucky auto insurance premium in 1999 was about $731, that's an increase of about 20.66% in 4 years!
Kentuckians on average paid about $882 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these kentucky auto insurance rates are fixed by kentucky automobile insurance companies and state regulatory agencies, but in reality discounted and competitive kentucky car insurance rates are available in Kentucky.
All motor vehicles registered or operated in Kentucky must be covered
by liability insurance and basic no-fault personal injury insurance. Failure
to carry kentucky auto insurance is a criminal offense. The penalties include fines, loss of license plates, and loss of operator's license.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/10) tells you how much your kentucky auto insurance will cover for property damage in any one accident.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Kentucky requires a minimum of 25/50/10 liability coverage. The first number is the amount that kentucky auto insurance will cover for any one person ($25,000). The second number is the total amount kentucky auto insurance will pay for all persons injured in an accident.
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