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Car Insurance Liability Coverage Kentucky KY

Reader’s Question:

I live here in Kentucky and I only have the minimum liability coverage for my car insurance. If I get involved in an accident in another state that needs higher minimum coverage, do I have to pay the remainder?

Malaya

Louisville, KY

If you have the minimum auto liability insurance that Kentucky requires and you get tangled in an auto crash in another state that needs higher minimum liability coverage, your policy would certainly rise to sustain the minimum coverage requirement of that other state. For instance, in Kentucky, the minimum auto liability coverage is 25/50/10 and you get involved in an accident in another state that has higher minimum liability coverage requirement. In this case, your car insurance would stretch without a doubt to meet the other state’s minimum coverage. This increase could be beneficial particularly if you cause a huge total of property damage.

You’re located in a “no-fault” state which means that your insurer should pay for the bodily injury damages regardless who caused the accident. But no-fault states also let their citizens to take legal action against someone from other states following a car crash. For instance, in Kentucky, you’re capability is constraint to sue for damages. You have two options once you are purchasing car insurance — “full tort” or “limited tort.” Limited tort means that you can’t sue another citizen of Kentucky for loses except if you’re gravely injured and your medical bills go beyond a specific minimum total. In this case, insurance costs are lower; however, you give in your right to sue. Although you would have the right to sue whatever the costs of the damages, full tort has higher premiums.

Tags: auto liability insurance, car insurance, car insurance premiums