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Bodily Injury/Liability Car Insurance Coverage: What Do You Need?



All Kentucky motorists should carry at least the minimum requirements. Lenders require full property damage coverage on financed vehicles to protect their investment. The attorneys at Flora Templeton Stuart Accident Injury Lawyers can consult you in obtaining the appropriate coverage for you.


Drivers in Kentucky must have proof of insurance. You may need to provide this at routine traffic stops, when you’re renewing your plates, or after being involved in an accident so keep in your car.

It is recommended that motorists in Kentucky obtain several types of car insurance, but must carry a minimum of the following:


  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident


The bodily injury liability component in a car or truck accident is only intended to cover the damages you cause to another party in a car accident when you are the at fault driver. This part of the policy does not provide coverage for your lost wages or medical bills. If you want complete protection after an accident, consider full coverage. This type of insurance typically includes both comprehensive and collision insurance.


Flora Templeton Stuart recommends the following:

  • Uninsured/underinsured coverage 100/300 or 300/500 limits
  • Gap insurance (umbrella insurance) if assets over $500,000
  • Personal Injury Protection (PIP) coverage (raise to $30,000 – $50,000)

**Kentucky minimum is $10,000

  • Full Collision Coverage on your vehicle I the vehicle is valued $3,000 or greater and rental car coverage


Why Do You Need Bodily Injury Coverage in a Car Accident in Kentucky?

If you are at-fault for an auto accident, bodily injury liability insurance will pay for injuries and car damage sustained by another driver.

Bodily injury liability does not pay for the injuries you suffer in the car wreck. Considered a form of third-party insurance, it will only pay for injury to other motorists and passengers up to policy limits.


Understanding Bodily Injury Liability Limits in Kentucky

The limits for your bodily injury liability coverage are expressed as numbers – 25/50, 50/100, 100/300, 300/500. Per this format, the first number express bodily injury coverage limits (per person and second number per accident).

In the above first example, you would have $25,000 of coverage per person injured in the accident to a maximum of $50,000 per accident.


What Is the Optimum Amount of Liability Coverage Recommended?

You should opt for bodily injury liability insurance limits in line with the value of your assets and choose the highest limits you can afford. If you cause a car accident and your auto insurance does not cover the costs of the damages you cause, the other driver could file a lawsuit against you, suing for the remainder. If the jury rules against you, your assets could be liquidated to pay for those damages.


Conversely, those with more assets, whether in the form of income, savings or investments, are at heightened financial risk in the event of a car accident claim. Picking a policy with low bodily injury limits will expose more of those assets in the event of a substantial claim. All high net worth individuals should consider taking higher policy limits to include umbrella insurance (coverage above liability limits of 300/500). Our attorneys recommend 300/500 with $1,000,000 umbrella policy or higher.


How to Maximize Your Recovery

To maximize your settlement, you should document and record all aspects of the accident. At Flora Templeton Stuart we will prepare all of the following for you:

  • Witness Statements, expert reports
  • A detailed description of the accident/Kentucky Accident Report
  • Photos of the accident scene
  • Pictures of your injuries
  • Medical bills
  • Proof of lost wages (past and future)
  • Physician/hospital records and reports

Medical treatment with reputable physicians along with emergency room treatment is needed to establish a serious or catastrophic injury.


What To Do Next

If you are involved in a car accident in Bowling Green, Kentucky, you should consider retaining an experienced personal injury lawyer to help you get the compensation you deserve.


Flora Templeton Stuart will guide you through all aspects of a bodily injury claim. We have collected millions for our injury client over forty seven years.

Author Photo

Flora Templeton Stuart

Flora Templeton Stuart is the lead attorney and founder of the law firm Flora Templeton Stuart Accident Injury Lawyers, established in 1976. She is a nationally recognized personal injury lawyer with over 40 years of experience. Her story has been featured on Fox, The New York Times, ABC, Time, and NBC.