Insurance Requirements for Car Registration in Kentucky

Schedule Brake Pad Replacement
Service Area

$124.62 - $450.29

Price range for all vehicles
Average rating from 10,732 customers who received a Brake Pads Replacement.

The Kentucky Transportation Cabinet requires that all drivers in Kentucky carry liability automotive insurance, or “financial responsibility” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for drivers under Kentucky law are as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $60,000 to cover bodily injury and property damage.

Other required insurance

In addition to the liability insurance types listed above, Kentucky law requires that every insurance policy includes a Personal Injury Protection coverage, which pays up to $10,000 per injured party, regardless of who was at fault in the accident.

This type of insurance guarantees that your own bodily injury costs will be covered by your insurance. This is important because Kentucky is a no-fault state, meaning that the other party’s insurance isn’t required to pay for your bodily injury even if they were at fault.

Recovering damages

In the state of Kentucky, drivers have the option to sue parties at fault in an accident to recover the costs of damages they accrued due to the accident. By carrying an insurance policy that includes Personal Injury Protection, your right to sue, and the amount you can be sued for, is limited to only damages to property. Medical bills, loss of wages, or pain and suffering cannot be recovered in court unless they exceed certain requirements:

  • More than $1,000 in medical costs

  • Broken bones

  • Permanent injury or disfigurement

  • Death

If any of these circumstances occurred due to the other party’s fault, a driver in Kentucky can sue to recover the costs. You can choose to reject the Personal Injury Protection requirement, which will release the limitations on your right to sue. This must be submitted in writing to the Department of Insurance.

Proof of insurance

You must be able to provide proof of insurance when you register a vehicle, and when asked by a police officer at a traffic stop or the scene of an accident. An insurance card from an authorized insurance provider is an acceptable proof of insurance.

Kentucky state law does not require that those who have been convicted of DUIs or other reckless driving charges file an SR-22 Proof of Financial Responsibility document.

Violation penalties

If a driver in Kentucky fails to carry the minimum required insurance on a vehicle, there are several penalties that may be issued:

  • A minimum fine of $1,000 and a possible sentence of up to 90 days in jail for the first offense

  • Vehicle registration suspension

For more information, contact the Kentucky Division of Motor Vehicle Licensing through their website.


Next Step

Schedule Brake Pad Replacement

The most popular service booked by readers of this article is Brake Pad Replacement. Yourmechanic’s technicians bring the dealership to you by performing this job at your home or office 7 days a week between 7AM-9PM. We currently cover over 10k cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent Brake Pad Replacement reviews

Excellent Rating


YourMechanic Brake Pad Replacement Service

Average Rating

4.9/5

Number of Reviews

10,732

Rating Summary
10,227
323
67
33
82
10,227
323
67
33
82

Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE