We all look forward to getting value for money when putting funds in any investment. That said, car insurance is no exception to this rule. When you purchase your car insurance, you would want optimal coverage. But do you know how to get maximum coverage?
Add-ons are the first thing that comes to mind when purchasing well-rounded auto insurance. But before getting far, let’s see the minimum auto insurance you need in Kentucky.
Car insurance in Kentucky
Most Kentucky drivers know that auto insurance is mandatory, but do they know the minimum coverages required by the state? When you partner with Sharp Insurance & Financial Services, Ashland, KY, we shall explain to you the below mandatory car insurance that Kentucky drivers should carry.
- Bodily injury liability with a minimum limit of $25,000 per person and a minimum of $50,000 per accident.
- Property damage coverage with a minimum cover of $10,000 per accident.
- Uninsured/underinsured motorist coverage and PIP insurance coverages aren’t mandatory, but the car insurance company has to offer you, but you can reject them in writing.
With mandatory auto insurance requirements out of our way, it’s time to see the add-ons you can consider in your auto insurance.
Ever stalled in the middle of the road? It can be frustrating. There are many reasons you would get stranded on the highway — talk of a flat battery, mechanical breakdown, running out of gas, puncture, and so forth. And because breakdowns are part of car ownership, you may want a roadside assistance cover to bail you out when the unthinkable happens to your vehicle.
Loss of personal belongings
While you will incur an additional premium when considering this cover, the cost is worth it, considering the loss you might suffer if you lose some of your personal stuff. Imagine losing your laptop or phone? It will undoubtedly dent your pocket to replace.
Depreciation waiver cover
In case of an accident, you will receive full reimbursement for the parts replaced without subtracting the depreciation aspect. This way, you don’t have to folk out additional cash from your pocket to cover the difference.
Need auto insurance in Kentucky? Please don’t look beyond Sharp Insurance & Financial Services located in Ashland, KY. We take your auto insurance needs seriously. As such, while we ensure you have the minimum coverage, we will talk you through add-ons and optional auto insurance coverages you can consider for maximum protection.