Do You Have the Right Auto Insurance Coverage?

Larry Stewart

A Practical Guide for Drivers in Somerset & Pulaski County, KY

Whether you're driving through downtown Somerset, commuting across Pulaski County, or heading out on the open road, having the right auto insurance matters. And in Kentucky, where weather, wildlife, and rural roads add to your risk, the bare minimum coverage might leave you exposed.

At Stewart & Tucker Insurance, we help drivers make confident coverage choices — not just to meet legal requirements, but to truly protect what matters. In this guide, we’ll walk through what a well-rounded auto policy should include, why local drivers may need more than the state minimum, and how to get personalized protection at a fair price.

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Call Us: (606) 451‑2139

Kentucky’s Minimum Auto Insurance Requirements

In Kentucky, the legal minimum coverage includes:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $10,000 for property damage liability

While this may satisfy legal requirements, these amounts rarely cover the full cost of an accident. One crash on a rural road in Pulaski County or a multi-vehicle pile-up near Lake Cumberland could leave you paying thousands out of pocket.

That’s why we help our clients go beyond the minimum with affordable, better-protected policies designed for real-life driving in Kentucky.

What Auto Insurance Should Really Cover

Every driver has unique needs — which is why your policy should reflect more than just your car. These six core coverage types help protect your vehicle, your health, and your financial future:

Liability Coverage
Covers injuries and property damage to others if you're at fault in an accident. We often recommend higher limits than the state minimum.

Collision Coverage
Pays for repairs to your own car if you hit another vehicle or object. Essential for newer or financed vehicles.

Comprehensive Coverage
Covers non-crash events like theft, vandalism, hail, or animal collisions — all common in Kentucky.

Uninsured/Underinsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or not enough coverage. Important in rural areas.

Medical Payments (MedPay)
Pays for medical bills for you and your passengers, no matter who’s at fault.

Roadside Assistance
Covers towing, flat tires, and other breakdowns — ideal for long drives or daily commuters.

Local Risks in Somerset and Pulaski County

Choosing the right coverage means accounting for local driving risks. In and around Somerset, we regularly see:

  • Increased accident risks during tourism season near Lake Cumberland
  • High potential for deer or wildlife collisions on rural highways
  • Hail, wind, and seasonal storm damage impacting vehicles

This is why we work with clients across Pulaski County to build policies that address real Kentucky driving conditions — not just generic templates.

Common Mistakes to Avoid

Too many Kentucky drivers assume their coverage is “good enough” — until it’s not. Here are two of the most frequent (and costly) mistakes we see:

Underinsuring with the minimums
You may save a few dollars upfront, but one major accident can result in significant financial loss. We help you calculate the right limits for your situation.

Letting your policy auto-renew without review
As your life changes, your policy should too. We offer 6-month auto policy reviews to ensure you're still getting the best rate and the right protection.

Save Without Sacrificing Coverage

You don’t have to overpay to stay well-protected. Our Somerset-based agents help clients save through:

  • Bundling home and auto insurance with top-rated carriers
  • Accessing discounts for safe drivers, low mileage, or student drivers
  • Shopping multiple companies, not just one, to find the right price and fit

And because we’re independent, we’re not tied to one provider — which means we always work in your best interest.

Get a Free Auto Policy Review in Somerset, KY

Don’t wait until an accident to find out your insurance coverage falls short. At Stewart & Tucker Insurance, we offer personalized reviews to help you understand your policy, identify savings, and adjust coverage based on how you really drive in Kentucky.

We’re proud to serve drivers in Somerset, Pulaski County, and communities across the state — with clear guidance, local service, and dependable coverage that fits your life.

 

Call Our Somerset Office: (606) 451‑2139
Stewart & Tucker Insurance — Local Car Insurance You Can Count On