Kentucky is an exceptional state of USA. It is one of those states that give ultimate freedom to its citizens to lead their lives the way they want. This attitude of the state is proved again and again by its laws and its procedures. One of the things which re-establishes this fact is that in Kentucky you can follow the no fault system or the tort system when it comes to car insurance. It completely depends on you what kind of system you will prefer and no one will scorn you for following a particular system. Doesn’t it sound great? But still there are things to know if you are thinking of becoming a resident in this state.

The No fault system in Kentucky:

If you want to pursue the no fault system in Kentucky then you must know that you will lose your right to prosecute the person responsible for the accident. You will get the money from the insurance company but you will not be able to extract any money from the offender unless the medical bills cross the maximum limit. Generally this doesn’t happen as the maximum limit is sufficient to cover all the medical expenses. There is another hitch in the no fault system. If you are following a no fault system then you will have to purchase PIP insurance. The insurance company is your own insurance company that will pay the money for your bodily damages, lost wages or even funeral expenses. The amount that you have to buy is ten thousand dollars.

Tort system in Kentucky:

Now if you are confident enough that you will never hit a car then you can opt for tort system too. Under this you get the right to sue the person who smashed your car. You will have to buy liability insurance if you own a car in Kentucky. This clause is also applicable for people who follow the No fault system. The minimum amount that you need to buy is twenty five thousand dollars for injuries to a single person and fifty thousand dollars for injuries to more than one person. You will have to spend another ten thousand dollars for the repairs of the car.

Comprehensive and collision insurance coverage is not mandatory by law but everyone knows the importance of it. The state of Kentucky realizes the importance of this coverage too and so persuades the drivers to purchase them. There is also an underinsured and uninsured motorist coverage which is an extra protection in case you have an accident with a car which is not insured. The main office of Kentucky insurance is located in Frankfurt. If you have any queries regarding car insurance and its details you can always contact them at their helpline number which is 800-595-6053.

Don’t sit at home and take pride in being ignorant about the laws of the state. Your smile won’t stay for long. Buck up and get your car insured according to the legal procedures and with the appropriate amount.