Question: I know that most companies will sell a policy that will cover my whole family, but is the a Kentucky car insurance policy that will cover us in each others cars? I appreciate any advice.

Answer: In Kentucky each motorist is required to have auto insurance. This doesn’t change regardless of whether you are related or not. You are allowed to lend someone else your car of course, but if it is a family member who lives with you they must be on the policy.

Letting a relative you live with drive your car who is not insured puts you at risk of financial loss if an accident occurs. It is likely your insurance company will not cover the claim and then you are left holding the bag financially.

There are many companies that will offer a blanket policy that should cover everyone in your family. Since we do not know your exact family situation the best recommendation we can give is to call various companies, explain your situation in detail, and compare the quotes you receive for a Kentucky car insurance policy that will cover the whole family. Good luck in your search and we hope this helped.