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Get DirectionsWhat you should consider when buying Auto Insurance in Kentucky
What is No-Fault Car Insurance
Sometime between the First and Second World War, Academia developed the concept of no-fault insurance. Aimed at removing auto claims from the U.S. tort liability system, under a no-fault system, insurance companies could resolve customer claims, 
regardless of fault. The theory behind this was that insurance companies would resolve disputes between themselves more efficiently.
For obvious reasons, this never took off. Over time blended versions of the theory were developed that provided access to the tort system when predefined limits were exceeded. Under this blended approach, no-fault insurance began to get positive support for the states. So much so, that at one point almost half of the states had developed and instituted a no-fault system.
Of the twenty-four states that put a no-fault auto insurance systems in place, only twelve remain. The states that continue to have a no-fault system are; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
What Kentuckians need to know about no-fault insurance
You may have heard of PIP, or Personal Injury Protection Coverage. By law, all Kentuckians are required to have a minimum of $10,000 PIP Coverage on motor vehicles (motorcycles are excluded.) Often referred to as Basic PIP Coverage, this can be used for medical and other related costs for injuries sustained by individuals in the insured car, regardless of who is at fault.
Kentucky drivers by default, forgo tort rights as related to damages that occur while 
operating automobiles until certain minimums have been met. While motorcycles operators and passengers are excluded from the PIP, it is optional. Although PIP is optional, motorcycle operators should seriously consider carrying the optional Basic PIP Coverage. Otherwise, they may find themselves in the difficult position of having no coverage and no rights to sue for damages as, by default, they have accepted the states standard tort limits.
Feel free to give us a call if you have additional questions related to Kentucky’s No-Fault Automobile Liability System.
In order to drive a motorcycle in Kentucky, you must have at least the minimum of $10,000 damage per accident, $25,000 bodily injury liability per accident, and $50,000 for all bodily injuries per accident. This is only the minimum coverage and will only cover damages and injuries to other people. It also means you aren’t getting any financial protection for yourself in the event of an accident.
PHONE: (502)410-5089 
Our Small Towns: For me, the small towns represent the soul of Kentucky. Two of my personal favorites are Augusta and Danville. On the Ohio River, about forty miles from Cincinnati you will find the small town of Augusta. One of Kentucky’s many small-town treasures; Augusta was the childhood home of George Clooney. Traveling just under an hour south of Lexington you will find the birthplace of Kentucky. Danville was the first Capital of Kentucky. The state’s first constitution was drafted and signed here. Danville is the home of Centre College a Liberal Arts College that consistently ranks among the top fifty Colleges in the U.S. Centre has been a site for to two recent Vice Presidential debates. For me, the small towns are the soul of Kentucky.
