Kentucky 9817A Auto Policy Coverage Guide

Key policy provisions include a 14-day rule for grace periods and 30-day cross-coverage for replaced vehicles. Excluded drivers are subject to state laws prohibiting the exclusion of spouses or dependent household residents. Endorsement 6129Z introduces specific coverage requirements for injuries to pets, including reimbursement up to $1,000 per animal or $2,000 per loss.

The policy excludes coverage for car sharing programs and business-related vehicle maintenance performed on-premises. Provisions regarding 'Care, Custody, and Control' require that related claims be reassigned to the Property department. There is no household exclusion in Kentucky for liability coverage; family members may present injury claims against other insureds under the policy.

Kentucky courts have invalidated household exclusions for auto liability under personal liability umbrella policies. Conversely, there is no public policy requirement prohibiting exclusionary language in Underinsured Motorist (UIM) coverage, meaning UIM claims are governed by the specific terms of the policy agreement.