Louisville’s Increasing Accident Rate and Your Much Needed Insurance

In Louisville, if it has a license plate it has to have Louisville car insurance.

Hit a homerun by keeping your Louisville car insurance current.

Louisville’s car insurance requirements are determined by the state of Kentucky, but enforced on both the state and local level. And while there has been some improvement in certain accident statistics, other statistics should be enough to scare anyone into buying insurance even without being forced to by any level of state law enforcement.

Louisville Car Accident Trends

Each year the number of car accidents that happen around the nation increase and Louisville is not exempt from these increases. In 2011, Jefferson County (where Louisville is located) saw 988 more car accidents than what they had in 2010.

Year after year Louisville and its surrounding county continue to see increases in the number of car accidents. If you have managed not to get into an accident and think that you are okay driving without insurance, with more accidents happening each year just how long do you think your luck will hold out?

Increases were seen in both property damage only accidents, and non-fatal injury accidents. However, there was a decrease in the number of fatal accidents that happened in Jefferson County in 2011. In 2011, 12 fewer people died from car accidents than they did in 2010. And for any of the car accident statistics, the fatality statistic is the one that you want to see decreased.

(source: Kentucky State Police)

Louisville Car Insurance

Many drivers in Louisville think that they have car insurance to cover any vehicles they drive; this is not correct. Louisville car insurance covers vehicles not drivers. This is why the state tracks all of the vehicles that are licensed in Kentucky and not all the driver’s licenses; to make sure that there is car insurance in place for the actual vehicles that are on the road.

As the owner of the vehicle, you are responsible for making sure that it has no less than the following Louisville car insurance coverages if it is licensed, regardless of who is driving it:

• $25,000/$50,000 bodily injury liability coverage
• $10,000 property damage liability coverage
• $10,000 pip coverage (if you choose to go with the “no-fault” insurance system)

Driving Without Kentucky Car Insurance

“Insured: The Only Way to Drive”, is the motto of the Kentucky Transportation Cabinet. Not only in principle are they correct, but literally with the way they enforce their insurance laws for Louisville car insurance.

Because they track whether or not you have insurance on your vehicle electronically, there is no way to get away with not having insurance like you can in some other states. Once Kentucky finds out that your Louisville car insurance has been cancelled, you will be sent a letter stating that they have been informed that you have no car insurance and that you must bring in proof you are still insured.

If you cannot provide proof that you were covered or you ignore their letter, your vehicle registration will be suspended. To get it back you have to satisfy all penalty requirements, including getting a new Louisville car insurance policy.