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What Is Covered by Motorcycle Insurance?
In order to drive a motorcycle in Kentucky, you must have at least the minimum of $10,000 damage per accident, $25,000 bodily injury liability per accident, and $50,000 for all bodily injuries per accident. This is only the minimum coverage and will only cover damages and injuries to other people. It also means you aren’t getting any financial protection for yourself in the event of an accident.
However, there is optional coverage you can consider purchasing. In Fisherville, KY, and the rest of the state, personal injury protection must be added to auto insurance. However, it is not required for motorcycle insurance, but could be an option for those who want additional coverage. This insurance will help cover your medical costs should you become injured in an accident. This insurance will provide coverage, no matter who caused the accident.
An agent at TruePoint Insurance can explain optional coverage. Other options can include collision coverage, which covers your motorcycle if it is damaged in an accident. Comprehensive coverage will pay for damages to your bike from damage that isn’t related to an accident. A motorcycle can be a huge investment, and some collision and comprehensive coverage will help pay for repairs so that you can take full advantage of your investment.
Other optional coverage includes medical payments to help pay for hospital costs if you’re injured in an accident. This is a useful type of insurance to have if your health insurance is lacking, or has a high deductible where you have to pay a lot of out-of-pocket costs. Even though insurance is mandatory, having uninsured or underinsured motorist coverage will help protect you if there is an accident with someone who doesn’t have insurance.
Contact TruePoint Insurance to get a quote for motorcycle insurance. Our agents can answer your questions and help you get started on a motorcycle insurance policy.
Meet Your TruePoint Customer Service Team
http://www.insuringky.com
Welcome to 
Thank you for choosing us for your insurance needs! It is our commitment to provide our clients with quality insurance products at a great price, and we are so pleased to have you as a new customer! As you may have already discovered, we offer real-time quotes on our website, payments over the phone, and E-signature options for most documents. Did you know you can also print ID Cards directly from our website? Of course, we always enjoy meeting and seeing our customers face to face! However, we understand your time is valuable, so we offer electronic options, as well as two office locations in order to accommodate your schedule. We have expanded our service team, as well, and look forward to helping you protect what is valuable to you!
OUR SERVICE TEAM:
6287 Taylorsville Rd. 1085 Eagle Lake Drive
Fisherville, KY 40023 Lawrenceburg, KY 40342
PHONE: (502)410-5089 
Jordan Milburn, ext. 105 Jessica Coleman, ext. 120
Licensed Service Specialist Director of Client Services
CLIENT LIAISON ACCOUNT EXECUTIVE
jordan.milburn@truepointgroup.com jessica.coleman@truepointgroup.com
Jordan will likely be your first point of contact when you call. She is a licensed P&C Agent, and her primary responsibility is to ensure your satisfaction. From providing proof of insurance, taking payments, and processing policy changes to quoting/issuing new policies, she can often handle your requests quickly and efficiently (or direct you to the most effective resource available).
Jessica will be in the Lawrenceburg office from 8:30-4:30, M-F. She will coordinate with Jordan to ensure our agency is meeting the needs of our clients. As the Director of Client Services, she will be happy to review your policy at each renewal, and make sure you are receiving all of the discounts and coverage options available to you. You can call or email her to schedule your personal policy review. Also, if things change in your life (and they usually do), don’t forget to call and tell us! We want to keep you covered correctly! And if the worst should happen, and you need to file a claim, Jessica will gladly help you through the filing process for the quickest resolution possible.
They are both committed to giving you amazing service, and looking forward to working with you.
Please let us know if you have any questions about your new policy, or if you would like for us to quote another type of insurance for you. We appreciate your business!
Sincerely,
Brad and Kristen Smith
P.S. If you are happy with your service, Like, Share, or Leave a Review! We’d love to hear your thoughts!
Car Insurance Quotes Kentucky
Car Insurance Quotes Kentucky
Decision making, in the most logical form, is nothing more than simple math. A series of pluses and minuses that when summed lead to an affirmative or negative answer to the dilemma at hand. A good example would be “why do I want to live in Kentucky? My top five reasons would be:
Our Small Towns: For me, the small towns represent the soul of Kentucky. Two of my personal favorites are Augusta and Danville. On the Ohio River, about forty miles from Cincinnati you will find the small town of Augusta. One of Kentucky’s many small-town treasures; Augusta was the childhood home of George Clooney. Traveling just under an hour south of Lexington you will find the birthplace of Kentucky. Danville was the first Capital of Kentucky. The state’s first constitution was drafted and signed here. Danville is the home of Centre College a Liberal Arts College that consistently ranks among the top fifty Colleges in the U.S. Centre has been a site for to two recent Vice Presidential debates. For me, the small towns are the soul of Kentucky.
Horses: Churchill Downs in Louisville and in Lexington, Keeneland; both rank among the top horse racing tracks in the world. Many of Kentucky’s biggest stars reside in the Bluegrass Region. Paris, Midway, Versailles, Lexington, Georgetown, Winchester and Lexington are home to the four-legged elite of Kentucky.
Basketball: There is one thing that Kentucky residents will agree on; “Basketball is King in the Bluegrass.” College basketball in Kentucky is a year-round spectacle and the rivalry between the University of Kentucky and the University of Louisville is second to none.
Bourbon: For generations Kentucky folk have been the butt of jokes, many of which have brought our intelligence into question. Look who gets the last laugh. The world has somehow figured out what Kentuckians have known for eons. For those of you just discovery Kentucky Bourbon, consider yourself lucky that we have enough to share. From Wild Turkey and Four Roses in Lawrenceburg to Bullitt Counties Jim Beam and many others scattered all across the Commonwealth, Kentucky distillers are working hard to insure that there is enough bourbon for all of us.
People: Cross the state line into Kentucky and it won’t take long for you see what truly sets our state apart. It’s us, are people. Kentuckians make Kentucky. Total strangers greeting you like a lifelong friend. Kentuckians are loving people that truly care about you. You see it, you will sense it, and if you listen, you will hear it. You will hear us ask; “How Y’all doing?” This is followed by a question mark and is not to be confused with the more rhetorical “how are you doing.” If it seems a bit dim-witted, then you need to hear it first-hand. Only then will you see the compassion behind the question, “how Y’all?” A question with purpose! A question asked with the intent to insure your well-being.
Although you may not hear them as often, there are also many reasons that make it less appealing to call Kentucky home. We pay more for our insurance than most. Don’t believe me? Take some time to get a Kentucky car insurance quote.
Why?
Car Insurance in Kentucky
Auto insurance in Kentucky is expensive when compared to most other states. In recent years people relocating to the state were quiet shocked to find that their car insurance quote in Kentucky was considerably higher than before. For an extended period of time, a Kentucky auto insurance quote would have been one of the ten most expensive states for auto insurance. Even today, Kentucky ranks in the twenty most expensive states for car insurance. Car insurance in Kentucky is more expensive than Maryland, New Jersey, New York, Florida and several other states that would seem to represent a higher risk for the auto insurance companies.
Before pointing the finger at the car insurance companies, consider the following factors that are driving the Kentucky auto insurance premiums higher:
- The number of Kentucky deaths related to auto accidents is appalling. Kentucky has the second most deaths per miles driven and is almost 150% of the national average.
- Kentucky is one of twelve states with no-fault insurance laws. Critics suggest that this form of insurance is:
- Leading to widespread car insurance fraud in Florida and as a result, many auto insurance companies are reducing their business there. Evidence points to similar issues that are leading to higher auto insurance quotes in Louisville.
- These laws were adopted to prevent abuse and discourage ambulance chasers. Unfortunately, there have been serious negative consequences that revolve around, fraud and increased medical cost without a significant reduction in lawsuits.
- New York’s no-fault auto insurance system is near the breaking point which could lead to significant changes in the near term.
- Uninsured and Underinsured Motorist represent another issue that is putting upward pressure on Kentucky car insurance quotes. Kentucky ranks in the middle of the pack among all states regards uninsured motorist. While this most likely has little if any impact on your car insurance quote Kentucky, it is highly likely that car insurance for Kentucky residents is higher due to the higher number of underinsured motorist. Who is an underinsured motorist? I am, the guy has the lowest premium auto insurance, and you. Even Warren Buffet could be considered an underinsured driver. Since awards for damages are ultimately in the hands of a judge or jury, it is possible that any of us are underinsured.
My logic is that the states with the lowest minimum mandatory auto liability coverage are the states with the greatest exposure to underinsured drivers. Only eleven states have lower state minimum auto liability coverages than Kentucky, which is my reasoning why underinsured motorist have an upward bias when it comes to car insurance for Kentucky.
At this point, my plus/minus matrix is five to one for staying put. I will keep paying a little extra for my car insurance because I love the people and the basketball. Y’all have a great day, ya hear?
insuring.com
Instant Online Home & Auto Insurance Quotes
Take control of your insurance
Family Feud-The Insurance Addition:
100 people surveyed
Reasons people overpay for Home & Auto Insurance:
The #1 Answer: I Don’t Know
The #2 Answer: Unwilling to talk to an Insurance Agents
Maybe it’s time to experience TruePoint’s Customer Service. Visit our site at www.insuringky.com for an instant online home, auto or home & auto package quote. Instant insurance quotes in real-time, 24/7 without an agent.
Our customer focused approach puts you in the drivers seat. In addition to instant online quotes, our clients have online access to all of their important personal insurance documents. Stop worrying about getting pulled over by police with an expired certificate of insurance. As long as you have a cell phone you can deliver acceptable proof of insurance any time night or day. Maybe you have water standing in your basement. You want to check your insurance policy but it has been ruined by the water. Don’t go all weekend worrying if you have water backup coverage, visit the TruePoint Customer Portal to access the information that you need. TruePoint provides full service insurance and risk management assistance to individuals and businesses in Kentkucky, Southern Indiana, the South Carolina Low Country and Coastal Georgia.
Residents in Kentucky and Indiana should call: (502) 410-5089
Residnets in Georgia or South Carolina shouild call: (912) 330-1265
or visit our website at www.insuringky.com
or visit our website at www.insuringky.com
Fake Insurance
One of the most important actions a person can take to protect against the loss of property is to buy insurance. It involves taking time to find what type of coverage is needed, how much coverage is necessary, what insurer to deal with and whether one can afford adequate protection. Unfortunately, insurance consumers have a serious, additional concern….whether the insurance offered is legitimate.
Insurance consumers are frequently being lured into buying policies that turn out to be fakes. The counterfeit coverage is typically for auto and home
coverage and the practice is particularly concentrated in areas that have suffered catastrophes. Fake insurance is also being offered in areas where legitimate insurance has traditionally been expensive.
Sadly, the coverage is often discovered as fake after a loss has occurred and there’s been an attempt to file a claim. In such instances, a duped consumer has not only lost the money paid in “premiums,” they now face an uncovered loss.
If you are searching for insurance, it is important that you do so carefully in order to make sure that your purchase is made from a reputable source. The most prudent action is to ask questions and avoid any situation that raises suspicion. Signs that an opportunity is fraudulent include the following:
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- Insurance premiums that are much lower than what is typically offered
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- Companies that downplay any requirements about eligibility for coverage
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- Sources that attempt high-pressure to hurry you into making a decision
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- “Insurers’ that ask for cash (either down payments or full payments)
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- Lack of information about their coverage
- Applications that include requests for unnecessary financial or personal information
Your best protection against a high-risk scam is to seek out a qualified insurance professional.
COPYRIGHT: Insurance Publishing Plus, Inc.2017 All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
Will my auto policy cover damages if someone else is driving my car?
Lending your car to a friend or relative seems like a nice thing to do. You may trust them completely, and believe that they are the ones who will be held responsible if there is an accident. Due to something called "vicarious liability," you are responsible for what the other operator does. If your friend or relative decides not to pay, you may be able to sue for damages, but you will be held responsible first as the vehicle owner.
At TruePoint Insurance, we can make sure you have a policy which will have limits which are capable of covering all the damages, including property damage and injuries. If the injuries were minor, there will likely be few problems, but you want to be protected in case of major problems. Especially if you want to lend your vehicle to other drivers, you need to make sure your policy covers other drivers. For instance, if you lend your car to your spouse, make sure your spouse is listed on your insurance policy as a driver at your home address.
Another problem could arise if your friend or relative does not have a driver’s license. In that case, you are still responsible for your friend’s actions. You may also have an auto insurance policy which specifically includes coverage of unlicensed drivers, which could leave you personally responsible for all resulting damages.
The only time you can evade responsibility for the damages when someone else is driving your car is when you did not give that driver permission to operate your vehicle. If you think you need more coverage, or just have questions, please call TruePoint Insurance and we will be happy to help you.
Insurance Solutions for Kentucky Heavy Duty Pickup Trucks
“You’ve gotta be kidding me!” That is the sound of a new heavy-duty pickup truck owner that has just been told that he can’t get insurance. Unfortunately, your insurance agent probably isn’t kidding you, (s)he most likely can’t or doesn’t know how to obtain coverage for a vehicle that has a GVW of 10,000 pounds or more. Before heading back to the lot to get your money back pause, take a deep breath and read on.
You can get insurance at a reasonable price
If you have just purchased a F-450 or higher, certain F-350, a Silverado 3500 or any other heavy duty or super duty pickup truck, you may have to find insurance alternatives. While your agent may not have the ability to insure your truck, there are agents in Kentucky that can.
We can help you buy reasonably priced insurance for your new heavy-duty pickup truck. Learn more about the insurance options available to Kentucky residents by calling a TruePoint Truck Specialist today at (502) 410-5089.
USPS Contract Delivery Service Carriers
Neither Rain Nor Snow
The Greek historian Herodotus is credited with the saying, “Neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of their appointed rounds.” His words were describing the dedicated work ethic of the Angarium, Royal mounted couriers in ancient Persia.
Two thousand years later the famous words of Herodotus are now used to accurately describe another group of couriers, the US Postal Service. Granted lots have changed over two thousand years. Technological advancements and modern transportation systems have simplified the process of accurate and timely delivery of mail. However, not all advancements have made the life of mail couriers easier.
For most of us, buying auto insurance is a rather simple process. However, for independent or rural mail carriers, obtaining auto insurance is much more complicated. Finding an agent or broker that is willing to offer mail carrier insurance is a significant challenge. It gets worse; many times those that think they have coverage for their USPS vehicle find out when attempting to file a claim, that they have purchased a policy that does not cover the vehicle while on their route.
The personal cars of rural letter carriers must be covered by a commercial or business policy. More specifically mail carrier insurance. While that doesn’t sound like it would create a big problem, it is.
The world we live in postal carriers must still brave the snow and rain. But that’s not their biggest problem. Getting through to an insurance agent that a standard personal auto policy will not provide coverage. The same is true for the standard commercial auto insurance policy, USPS letter carries are not protected.
Still, the mail must go through. mail carrier insurance for USPS rural carriers presents a significant problem. However, the transfer of risk doesn’t have to be difficult, nor should rural delivery contractors worry if they have a policy that will provide adequate coverage in the event of an accident. Visit our website at www.insuringky.com or call and speak with a TruePoint agent for a quote that will provide you with USPS vehicle insurance.
TruePoint Insurance Group, LLC
6287 Taylorsville Rd. Fisherville, KY 40023
6287 Eagle Lake Dr Lawrenceburg, KY 40342
Pooler, Georgia Location to be announced soon
Kentucky and Indiana Rural Letter Carriers: (502) 410-5089
Georgia and South Carolina Rural Letter Carriers: (912) 330-1265
