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Motorcycle Insurance Minimum Requirements in Kentucky

Motorcycle Insurance in Kentucky

When it comes to operating a motorcycle, safety is a great concern. Unfortunately, no matter how safely you ride, there is still a good chance you might be involved in an accident. There is also a chance you might cause an accident.

In order to protect motorcycle riders in the state, Kentucky law requires riders to have motorcycle insurance on their bikes.

Kentucky Motorcycle Insurance Requirements

In order to be compliant with Kentucky’s laws, you must purchase liability insurance for your motorcycle to help you pay for property damage or bodily injuries suffered by others in a crash that you cause.

Your liability motorcycle insurance policy must include the following minimum coverage limits per accident:

  • $25,000 for bodily injury per person.
  • $50,000 for total bodily injury if multiple people are hurt in the accident.
  • $25,000 for property damage.

Keep in mind that these are just the state’s minimum requirements. You might want to consider buying higher limits for further protection.

No-Fault Insurance

Kentucky is a “no-fault” state, meaning that car insurance policies must include personal injury protection (PIP) coverage in addition to their liability insurance coverages.

Motorcycle insurance policies DO NOT have to include PIP, but the coverage may still be offered as an option.

PIP will help cover your medical costs if you are hurt in an accident, no matter who is at fault for the crash.

As you are getting a motorcycle insurance quote, consider adding PIP to your policy. It can be extremely valuable if you get hurt in an accident you cause.

Optional Coverages

Since liability insurance will only cover damages and injuries to others, you might find that by simply meeting Kentucky’s motorcycle insurance requirements, you are not getting enough financial protection.

As you shop for Kentucky motorcycle insurance, consider purchasing optional coverages that will help expand your policy’s reach.

Most motorcycle insurance companies offer the following types of optional coverage:

  • Collision – If your motorcycle is damaged in a traffic accident, this coverage will help pay for repairs.
  • Comprehensive – This coverage pays for most non-accident-related damages.
  • Medical payments – This coverage will help pay for your medical costs if you are injured in an accident.
  • Towing and labor – If your motorcycle breaks down on the side of the road, this coverage can help pay for emergency roadside assistance or towing.
  • Uninsured/underinsured motorist – Even though insurance is mandatory for car and motorcycles, you could end up in a crash with a driver who is not meeting the state’s insurance requirements. This coverage will help pay for your costs related to the accident.

KY Insurance Violations and Penalties

Motorcycle insurance violations include:

  • Operating your motorcycle without proper insurance.
  • Being unable to provide proof of insurance to an officer during a traffic stop.

Penalties for these motorcycle insurance violations include:

You should also note that insurance violations may make it difficult for you to find a motorcycle insurance company willing to provide you coverage, and having these violations on your record may result in higher rates for your motorcycle insurance.

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