It depends on the value of your vehicle and your financial situation. If your vehicle’s value is relatively low, you may decide that liability-only coverage makes more financial sense. However, if replacing your vehicle would create a financial hardship, comprehensive and collision coverage may still be worthwhile.

First, make sure everyone is safe and call emergency services if needed. Exchange insurance information with the other driver, take photos of the accident scene, gather witness information if available, and report the claim to your insurance company as soon as possible. Prompt reporting helps speed up the claims process.

It’s a good idea to review your policy at least once a year or whenever you experience major life changes, such as purchasing a new vehicle, moving, adding a driver, getting married, or changing jobs. Regular policy reviews help ensure your coverage continues to meet your needs while taking advantage of any available savings.

Yes. Kentucky is a no-fault state, which means Personal Injury Protection (PIP) generally pays for certain medical expenses and lost wages after an accident, regardless of who caused it. Drivers can also choose certain options regarding no-fault coverage under Kentucky law.

An independent insurance agency can compare quotes from multiple insurance companies instead of offering just one carrier. This allows you to compare coverage options, pricing, and discounts so you can find the policy that best fits your needs and budget without having to shop each company individually.