A: Kentucky is a no fault state, so on your Kentucky SR22 car insurance policy you will need to have your regular liability coverage as required in most states, and in addition to that you will need no fault personal injury protection.

First, let’s look at your liability insurance. You have bodily injury liability, which covers the death or injury of the other driver in their passengers when you are in a car accident which you are found to be at fault for. Your Kentucky SR22 policy must have $25,000 of bodily injury liability for each person, with a maximum coverage per accident, no matter how many people, of $50,000. Your second kind of liability insurance is your property damage liability. Your Kentucky SR22 will need ten thousand dollars worth of this coverage, and it will cover any damage you cause, to cars, fences, whatever, if you are at fault for an accident.

Next, we take in your no fault personal injury protection coverage, of which you will need ten thousand dollars worth on your Kentucky SR22 policy. Your personal injury insurance will cover any injuries you yourself sustain in a car accident.