Very Cheap Auto Insurance - Tips That Guarantee Affordable Car Insurance Rates

Tuesday, April 14, 2009

Kentucky Auto Insurance Coverage

By Steve Turner

State law requires all drivers to have Kentucky Auto Insurance coverage. There are a number of different types of coverage and you might decide that you want to have more coverage than the minimal amounts required by law.

The basic type of coverage is liability insurance and is usually what it mandated by the state. Not all states require drivers to have insurance coverage but most do. Damage to other's property and persons is covered by liability insurance.

Medical expenses for you and your passengers after an accident are paid for if you have bodily injury coverage on your auto insurance policy. This is also called personal injury protection or PIP.

Not all drivers on the road follow the law and obtain auto insurance coverage. Your medical expenses after being in an accident with someone inadequately insured will be covered if you add uninsured motorists coverage to your policy.

Comprehensive coverage will pay for expenses in events such as fire, theft, and vandalism. If your vehicle is being financed your financer will require you to add this to your policy. Even if you are not financing your vehicle if it is worth a lot of money this coverage is a great idea to add.

Collision coverage is required if you are financing your vehicle as well. Full coverage auto insurance contains this form of coverage.

There is also the option to add coverage for rental car expenses, mechanical breakdowns, and other opportunities. The best thing to do is talk with someone who knows all about the types of options available and can help you to make the best choice for you.

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