Car Insurance With Multiple Claims in Kentucky

What your insurer can and can't do in Kentucky

Mid-term: a personal auto policy can only be cancelled for the reasons in KRS 304.20-040 — such as nonpayment, a suspended or revoked license or registration, or fraud/material misrepresentation. Having claims isn't on that list.
At renewal: the insurer can decline to renew, but it must give written notice of the specific reason at least 75 days before the policy ends. It can't non-renew solely because of your credit, losses from natural causes, having been insured by a non-standard company, your age, or certain disabilities (KDOI guide).
No grace period: Kentucky auto policies end on the date stated, so line up the next policy before the old one ends (KDOI guide). A gap can get your registration revoked if proof isn't provided within 14 days (KRS 186A.040).

If you got a non-renewal notice, those 75 days are your window — call us early.

At-fault accidents and your record

Under Kentucky's point system, a moving violation involving an accident is 6 points, and 12 points in two years can lead to a suspension hearing (KYTC Point System). Points fall off after two years; the conviction stays on the record five years.

How we shop it

Each carrier weighs claims differently — at-fault vs. not-at-fault, comprehensive (hail, glass, deer) vs. collision, and how far back it looks. We compare the standard and non-standard carriers we work with and tell you which may write you. If you've been refused in the last 60 days, the Kentucky Automobile Insurance Plan is the insurer of last resort (KDOI guide).

Ways to keep claim history from growing (from KDOI's consumer tips): consider a higher deductible and paying small losses yourself when no one else is involved (KDOI guide). Glass is a special case: with comprehensive, Kentucky requires safety-glass repair or replacement without a deductible (KRS 304.20-060).

Have ready: dates and types of each claim or accident (your current carrier's claims list helps), any non-renewal letter, declarations page, VINs and drivers.

Home claims too?

Several homeowners claims can also lead to a non-renewal. If your home policy is in the same spot, our Kentucky home insurance team can compare home carriers at the same time.

Lexington office

2240 Executive Dr Ste 103, Lexington, KY 40505 · (859) 368-0162 · Mon–Fri 9–7, Sat 9–5 · Español disponible bajo solicitud.

General information, not legal advice. Coverage is subject to underwriting.

Questions we hear

Can I get car insurance with multiple accidents or claims?

Often, yes. We work with carriers that may write drivers with several claims; each decides based on its underwriting.

How many claims before an insurance company drops you?

There's no set number in Kentucky law. Claim frequency and at-fault accidents can be reasons not to renew, but not reasons to cancel mid-term.

How much notice do I get if my insurer won't renew?

At least 75 days' written notice with the specific reason.

Can an insurer refuse to renew me because of hail or storm claims?

Kentucky doesn't allow non-renewal solely because of losses from natural causes.

Does a glass claim count?

With comprehensive coverage, Kentucky requires safety-glass repair or replacement with no deductible. How a carrier rates it is up to the carrier.

What if everyone turns me down?

Ask us about the Kentucky Automobile Insurance Plan, the state's insurer of last resort.

Car insurance with multiple accidents or claims in Kentucky