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Kentucky Insurance Laws and Regulations

The Kentucky Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. The state of Kentucky does not provide complaint information for consumers to check before making insurance purchase decisions.

Important Laws

A summary of the driving safety laws for the state of Kentucky can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Kentucky.

The Kentucky Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Kentucky has minimum auto insurance amounts that are required by law. The table below shows the KY minimum car insurance limits.

Resources Available to Consumers

The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.