Looking For Non Owners Auto in Insurance Kentucky?
Reader’s Question:
I have a driver’s license in Kentucky, but I do not have a vehicle. I have been driving my brother’s car. He has car insurance, but I am not listed on the insurance policy as a driver. Can I still drive his car? What’s going to happen if I get involved in an accident?
Jean
Louisville, KY
If you are operating your brother’s vehicle with any kind of regularity, you should be listed on your brother’s policy as a driver. Otherwise, your brother runs the risk of having the insurance provider deny coverage for a claim if you get involved in an accident while using that vehicle. As a result you and your brother can be held accountable for that accident. If your brother does not add you to that policy as a driver, to protect your interests, you may consider buying a ‘named non owner’ insurance policy. This policy will provide coverage for liability,uninsured motorist, medical payments and coverages for someone who does not own a vehicle and will be operating a vehicle owned by someone else.
What Coverage Do I Need In Kentucky For SR22 Insurance?
Q: What all coverage do I need on my Kentucky SR22 insurance policy?
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.
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