Auto Insurance in Kentucky
If you live in the state of Kentucky, you will be required to carry certain automobile insurances on your car. It will be necessary for you to have liability insurance that covers bodily injury or fatalities in an accident that you cause. You must also have property damage liability insurance to cover the cost to repair or to replace personal property that is damaged in an accident.
Also, the state of Kentucky is what is known as a no-fault state. This law means that you must carry personal injury protection insurance, otherwise known as PIP coverage. This insurance will cover your medical bills no matter who is at fault for the accident. PIP insurance can also help you recover lost wages, and it may provide services to you while you are recovering, like babysitting or paying someone to run your errands. In addition, it typically will cover funeral related expenses.
You can choose whether or not to purchase collision coverage that will pay for repairs to your vehicle that are the result of hitting another car or a stationary object. Also optional is comprehensive insurance that will cover the damages to your car that are caused by factors like falling tree branches, hail, and circumstances that do not involve an accident. Uninsured or underinsured motorist coverage will pay for your medical expenses and automobile repairs in the event that you are involved in an accident with someone who has inadequate or no insurance.
Sharp Insurance & Financial Services Can Assist You
We at Sharp Insurance & Financial Services are here to help. We are experienced in providing those who live in the Ashland, KY area with a variety of automobile insurance to suit their needs. Also, we provide a tool on our website that you can use to find a quote on homeowners and automobile insurance. Call or stop by our Ashland, KY office to discuss your insurance needs, and we can make sure that you are properly insured in no time!