Motorcycle Safety Starts With Motorcycle Insurance

Fisherville, KY is known for its beautiful weather. Whether you’re visiting or living in the area, you are sure to enjoy any of the four seasons. During the warmer weather, there’s nothing better than exploring Fisherville by taking a motorcycle ride. Regardless of the time of year that you’re riding, though, it’s pertinent to be as safe as possible. TruePoint Insurance is here to keep you as safe as possible when riding your motorcycle, which is why we’d like to share a few safety tips with you. 

Always look both ways

Motorcycle drivers and riders have to be extra careful when coming to intersections. Even when all other drivers on the ride are being safe, it’s still quite easy not to see a motorcycle. This is why you as the motorcycle driver should take extra precaution when going through an intersection. Even if you have people behind you waiting to turn or go through, make sure to take an extra second or two to look both ways several times before you go through the intersection. 

Get motorcycle insurance

Motorcycle safety also includes having proper insurance. To hold insurance on your motorcycle, you will need to provide proof that you have a legit motorcycle driver’s license or permit. It’s during your training to get a motorcycle driver’s license that you will learn the ins and outs of motorcycle safety. 

If you would like to learn more about the many ways you get to stay safe on a motorcycle, make sure to contact TruePoint Insurance serving the Fisherville, KY area. Our agents are ready to keep you safe while meeting all of your motorcycle insurance needs. 

 

Kentucky No-Fault Auto Insurance System

What you should consider when buying Auto Insurance in Kentucky

What is No-Fault Car Insurance

Sometime between the First and Second World War, Academia developed the concept of no-fault insurance.  Aimed at removing auto claims from the U.S. tort liability system, under a no-fault system, insurance companies could resolve customer claims, What is Kentucky No-fault insurance?  Is Kentucky a no-fault state?  Why no-car insurance?regardless of fault.  The theory behind this was that insurance companies would resolve disputes between themselves more efficiently.

For obvious reasons, this never took off.  Over time blended versions of the theory were developed that provided access to the tort system when predefined limits were exceeded.  Under this blended approach, no-fault insurance began to get positive support for the states.  So much so, that at one point almost half of the states had developed and instituted a no-fault system.

Of the twenty-four states that put a no-fault auto insurance systems in place, only twelve remain.  The states that continue to have a no-fault system are; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

What Kentuckians need to know about no-fault insurance

You may have heard of PIP, or Personal Injury Protection Coverage.  By law, all Kentuckians are required to have a minimum of $10,000 PIP Coverage on motor vehicles (motorcycles are excluded.)  Often referred to as Basic PIP Coverage, this can be used for medical and other related costs for injuries sustained by individuals in the insured car, regardless of who is at fault.

Kentucky drivers by default, forgo tort rights as related to damages that occur while Return to TruePoint Home Pageoperating automobiles until certain minimums have been met.  While motorcycles operators and passengers are excluded from the PIP, it is optional.  Although PIP is optional, motorcycle operators should seriously consider carrying the optional Basic PIP Coverage.  Otherwise, they may find themselves in the difficult position of having no coverage and no rights to sue for damages as, by default, they have accepted the states standard tort limits.

Feel free to give us a call if you have additional questions related to Kentucky’s No-Fault Automobile Liability¬†System.