Wednesday, July 17, 2013

Car Insurance Kentucky Auto Insurance Kentucky Free Insurance quote

Car Insurance Kentucky Auto Insurance Free auto insurance quote
Auto Insurance in Kentucky
The minimum amount of liability insurance coverage required to satisfy the Kentucky Financial Responsibility law is 25,000/50,000/10,000. This means that your insurance policy must insure you against loss in an accident where you have been determined to be at-fault for a minimum of:

Car Insurance Kentucky Auto Insurance KY

Kentucky Auto Insurance Requirements – Minimum Limits
  • Twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one (1) accident
  • Fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in anyone (1) accident, subject to the twenty-five thousand dollar ($25,000) per person limit
  • Ten thousand dollars ($10,000) because of injury to or destruction of property of others in an accident

Car Insurance Kentucky Auto Insurance KY

Kentucky Auto Insurance Requirements – Car Insurance in Kentucky
Under Kentucky law, you must produce documentary proof of Financial Responsibility in the following circumstances:

Kentucky Auto Insurance from Dick Watts Insurance Louisville KY 

Car Insurance Kentucky Auto Insurance KY Kentucky Insurance

Car Insurance Kentucky Auto Insurance KY
Dick Watts Insurance wants to help you get the lowest possible auto insurance rates. Being familiar with your state’s financial responsibility requirements is an easy way to start. Here is the most recent information for Kentucky:

Tuesday, June 19, 2012

Cheap Car Insurance Louisville KY

Cheap Car Insurance Louisville KY

We are an independent insurance agent in Louisville Ky. It is important as a consumer to shop for car insurance to find the best rate for your situation. Ask you agent about auto Liability insurance and other auto insurance coverages  that may apply to your situation.  Call today for a free car insurance quote 502-245-3625 Dick Watts Insurance. Compare auto insurance rates in Louisville KY  . It is important to not let your Louisville car insurance lapse. A lapse in auto insurance coverage could lead to another auto insurance rate and cheap car insurance in Louisville KY 

Wednesday, May 30, 2012

Butchertown Art Fair Louisville KY

The 2012 Butchertown Art Fair is Saturday June 2nd from 10am-7pm  in Butchertown Louisville KY . The takes place this Saturday on East Washington Street between Shelby and Wenzel. . This year the Art Fair will partner with Edge Outreach. Everyone is encouraged to bring all old worn out shoes or new shoes that you would like to donate.
There will be food, art, and jewelry. There will also be off site pet adoptions, if you would like to adopt a pet this weekend in Louisville KY

Butchertown Neighborhood Association

Louisville Articles

Rental Car Insurance Louisville KY

Are you the best driver on the road in Louisville?

Louisville Auto Insurance
The Germantown Schnitzelburg Blues Festival Louisville KY

The third annual Germantown Schnitzelburg Blues Festival Louisville is all about having fun. The festival takes place in Louisville this weekend June 1 and June 2 2012 . The Festival is in memory of the late John Carby and a portion of the proceeds will go to the American Caner Society. There will be booths and live entertainment. Check's Cafe is located nearby and will be offering fun food and pizza. The festival is located at East Burnett Ave in Louisville KY. If you have time this weekend stop by and ejoy the Germatown Schnitzelburg Blues Festival in Louisville KY.

Germatown Schnitzelburg Blues Festival

Other Louisville Articles you may enjoy

5 ways to save on car insurance in Louisville KY

8 Louisville  auto insurance discounts you may be missing

Homeowners Insurance Louisville KY

Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243

Monday, May 28, 2012

Do I need separate Rental car insurance? Will my auto insurance policy cover a Rental vehicle?

At the Rental Car Counter

Since insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:

  • Loss Damage Waiver (LDW) Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In some cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover towing and administrative fees. These are some general guidelines every rental contract is different. Review your own contract to determine the contents. 

  • Waivers, however, may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have. Should you decide it is necessary, this coverage generally costs between $9 and $19 a day. Auto insurance quote Louisville KY 

  • Liability Insurance
    According to some state laws, but not all,  rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day.

    Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.
  • Personal Accident Insurance
    Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.
  • Personal Effects Coverage
    Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.

    If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.
 Auto Insurance Quote Louisville KY 

Other Things to Consider

States have minimum age requirements for renting a car and most major rental car companies refuse to rent a car to someone who is under 21 and in some cases under 25. In addition, some rental car companies now investigate your driving record and/or credit history so check with the rental car company before picking up the car.

If you are planning to rent a car abroad there may not be any insurance coverage, contact both your insurance agent and travel agent to find out what you need to do to be properly insured. Those driving a rental car from the U.S. into Mexico may find it progressively more difficult to rent a car as U.S. rental car companies are increasingly concerned about the rising crime rates in that country. The minimum required insurance coverage to drive in Mexico is civil liability insurance which covers you in case you cause injury or damage. Your American liability insurance is not valid in Mexico for bodily injury, though some American insurance policies will cover you for physical damage—check with your agent or insurance company representative. You can also buy Mexican car insurance in several American border towns; there are generally several storefronts selling Mexican car insurance near the border. Cheap Car Insurance Louisville KY . Every auto insurance policy is different, review your own auto insurance policy first to determine if there is auto insurance coverage for a rental.

Call your insurance agent first before Renting a vehicle. Every insurance policy is different, your auto insurance policy may not cover a rental vehicle. If you would like more information about auto insurance contact  Dick Watts Insurance 12200 Shelbyville Road Louisville KY 40243 502-245-3625

Tuesday, May 1, 2012

The Julep Kentucky Derby Festival

The Julep Kentucky Derby Festival

Oaks night May 04, 2012
The Galt House Grand Ballroom

The Julep which benefits the James Brown Graham Cancer center is May 4 at the Galt House.

Some of the many celebrities scheduled for the event are Doris Roberts, Star Jones, and Fred Willard.

For more information on the Julep

the Julep

or The Julep A Party with a Purpose

Thank you for visiting

Dick Watts Insurance
Louisville Car Insurance

12200 Shelbyville Rd 112
Louisville KY 40243

Kentucky Derby Festival 

Monday, April 30, 2012

Saturday's night Hail left some homes and cars damaged in Louisville

Saturday night's hail left some homes and cars damaged in Louisville. Some viewers say it was the size of quarters, and some even say the size of golf balls. Sunday, we got a good look at some of the damage near Eastern Parkway and Bradley Avenue. Some cars have dents in them, and some windows were broken out. Some homes were also impacted. "It started out pea-sized hail and kept getting bigger. It got up to golf ball
sized and I decided it was time to go back in the house," says Mike Jacobs. "He was like, I don't know if that's hail or that's broken glass read more Hail Storm