Car insurance for Florence and the rest of Northern Kentucky, plus drivers in Ohio and Indiana. Kentucky’s no-fault rules explained, plain-English limits, and a local agent who picks up the phone.
Every auto policy is a stack of separate coverages. Here is what each one does, in plain English. Limits, deductibles and wording vary by carrier, and we will walk you through yours.
Pays for injuries and damage you are legally responsible for causing to other people, up to your limits. This is the coverage every state requires, and it is the part that protects your savings and paycheck if a serious crash is your fault.
Kentucky’s no-fault coverage. It can help pay medical bills, lost wages and certain other costs for you and your passengers after a crash, no matter who caused it. Ohio and Indiana do not require PIP; medical payments coverage may be offered instead.
Steps in when the at-fault driver has no insurance or too little. Kentucky, Ohio and Indiana each handle UM/UIM offers and rejections a little differently, so we review this line by line.
Helps repair or replace your own vehicle after it hits another car or an object, like a guardrail or pole, minus your deductible.
Covers your car for things other than collisions: theft, vandalism, falling objects, hail, flood water and hitting a deer, minus your deductible.
Optional add-ons such as rental reimbursement while your car is in the shop, towing and roadside assistance, and gap coverage for a car loan. Availability depends on the carrier.
We are licensed in Kentucky, Ohio and Indiana. Plenty of Northern Kentucky households commute across the river every day, so we pay attention to how each state handles the basics.
System: choice no-fault, built around PIP.
Minimums: 25/50/25 liability plus $10,000 basic PIP.
Worth knowing: fault still decides who pays for vehicle damage. Read the Kentucky no-fault guide.
System: at-fault (tort).
Minimums: 25/50/25 liability.
Worth knowing: the at-fault driver’s liability coverage pays for the other party’s injuries and damage, which is why higher limits and UM/UIM matter.
System: at-fault (tort).
Minimums: 25/50/25 liability.
Worth knowing: uninsured and underinsured motorist coverage must be offered, and turning it down is done in writing. We explain what you would give up first.
A few things we talk about with drivers around Florence, Boone, Kenton and Campbell counties.
Rural roads in Boone and Kenton counties see deer crossings, especially at dawn and dusk in the fall. Hitting a deer is normally a comprehensive claim, not collision, which is one reason we rarely suggest dropping comprehensive on a car you rely on.
Many of our clients drive I-71/75 or cross the Ohio River into Cincinnati for work. If you regularly drive in Ohio, liability limits above the minimum and solid UM/UIM coverage are worth a look.
Adding a teen is one of the biggest changes to a household’s policy. See our guide to young drivers and insurance and make sure every driver in the home is listed (here is why that matters).
Even a short gap in coverage can affect future pricing and options with many carriers. If you are switching cars or carriers, line up the new policy before the old one ends. More in insurance lapses.
Kentucky is a “choice no-fault” state. Your own Personal Injury Protection (PIP) pays covered injury-related benefits after a crash regardless of who caused it, while damage to vehicles and property still follows fault and liability. Kentucky drivers can also file a written rejection of the no-fault tort limitations, which changes how lawsuits work, so talk it through before deciding. Our Kentucky no-fault guide walks through real examples.
All three states set minimum bodily injury liability at $25,000 per person and $50,000 per accident, with $25,000 for property damage (often written 25/50/25). Kentucky also requires PIP, with a $10,000 basic benefit. Minimums are the legal floor, not a recommendation. See why state minimums can leave you exposed.
“Full coverage” is not an official coverage. It usually means liability plus comprehensive and collision. If you have a loan or lease, your lender will typically require comprehensive and collision. Read what full coverage really means.
Yes. Turner Insurance Group is licensed in Kentucky, Ohio and Indiana. Product availability varies by state, ZIP and carrier, so we confirm options for your address when we quote.
Driver names and dates of birth, driver’s license numbers, vehicle years, makes and models (or VINs), where the cars are garaged, and your current policy declarations page if you have one. The declarations page makes it easy to compare like-for-like limits.
Many carriers let you place more than one policy together. How bundling affects your policy depends on the carrier, and nothing is guaranteed. We will show you bundled and separate options side by side so you can decide.
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Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. A licensed agent will walk you through limits before you buy.
