Are Your Auto Insurance Coverages Adequate?

by Zach St. Hilaire April 20, 2020

If you get into an auto accident and are found to be at-fault for injuring someone else, you’re at risk for losing everything if you don’t have good auto insurance. Just because you have a high insurance premium doesn’t mean you have the best coverage.

Kentucky State Minimums for Coverage:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
$10,000 personal injury protection

Ohio State Minimums for Coverage:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident

These are the coverages you are required to have by law however they are not recommended. If you get in an accident and it causes bodily injury to multiple people with these limits, you run the risk of only having portions of the claim paid for or even being denied and having to pay out of pocket.

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At Budget Guard Insurance, we’re 100% independent, which means we’ll take your current coverage and compare it to different insurance providers to find you the best deal out there.

Get Your Quotes Today: https://www.budgetguard.com/quotes/

Form - Personal Auto Questionnaire

General Information
Primary Insured Full Name:*

As it appears on your drivers license
Home Address*
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Do you own or rent your home?
- Own
- Rent
Are any vehicles garaged at a different address?*
- Yes
- No
Garage Address*
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Date of Birth*
MM slash DD slash YYYY
Occupation*
If other, what is your occupation?*
Primary Phone Number*
Primary Phone Type*
- Residence
- Mobile
- Work
Home Phone Number
Work Phone Number
Mobile Phone Number
Primary Email*
Social Security Number

Not required.
Drivers License Number*
Years of Driving Experience*
Do you have an active auto insurance policy?*
- Yes
- No
Did you previously have an auto insurance policy that is no longer in force?*
- Yes
- No
Please explain the lapse in coverage:*
Will this be your first auto insurance policy?*
- Yes
- No
Current Insurance Company*
Current Policy Start Date*
MM slash DD slash YYYY
Current Policy Expiration Date*
MM slash DD slash YYYY
Policy Length
- 6 Month (Semi-Annual)
- 12 Month (Annual)
Current Policy Premium
Is there an additional driver?*
- Yes
- No
Other Driver(s) Information
Driver 2 Relationship to Primary Insured*
Driver 2 Full Name*

As it appears on driver 2 license
Driver 2 License Number*
Driver 2 Years of Driving Experience*
Is there an additional driver?*
- Yes
- No
Driver 3 Relationship to Primary Insured*
Driver 3 Full Name*

As it appears on driver 3 license
Driver 3 License Number*
Driver 3 Years of Driving Experience*
Is there an additional driver?*
- Yes
- No
Driver 4 Relationship to Primary Insured*
Driver 4 Full Name*

As it appears on driver 4 license
Driver 4 License Number*
Driver 4 Years of Driving Experience*
Is there an additional driver?*
- Yes
- No
Driver 5 Relationship to Primary Insured*
Driver 5 Full Name*

As it appears on driver 5 license
Driver 5 License Number*
Driver 5 Years of Driving Experience*
Accident History
Any accidents in the last 3 years?*
- Yes
- No
For you or any other drivers that will be insured.
Any accidents in the last 6 years?*
- Yes
- No
For you or any other drivers that will be insured.
Vehicle Information
Vehicle 1 VIN Number*
Vehicle 1 Manufacturer Name*
Vehicle 1 Model Name*
Vehicle 1 Year*

YYYY
Vehicle 1 Use*
Vehicle 1 Annual Miles*
Year Vehicle 1 Purchased or Leased*
Is Vehicle 1 Financed or Leased?*
- Financed
- Leased
- Owned/Paid in Full
Name of Lien (Loan) Holder or Lessor?*
Vehicle 1 Requested Bodily Injury Liability Limits*
Note: Pays for others’ injuries if you cause an accident. (Amount Per Person / Maximum Per Accident)
Vehicle 1 Requested Property Damage Liability Limit*
Note: Pays for others’ property damage if you cause an accident
Quote Comprehensive and/or Collision coverage for Vehicle 1?*
Note: Your auto policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident. Collision Coverage pays for physical damage to your car as a result of your auto colliding with an object, such as another car or a tree. Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.
Vehicle 1 Requested Collision Deductible*
Vehicle 1 Requested Comprehensive Deductible
Is there an additional vehicle?*
- Yes
- No
Vehicle 2 VIN Number*
Vehicle 2 Manufacturer Name*
Vehicle 2 Model Name*
Vehicle 2 Year*

YYYY
Vehicle 2 Use*
Vehicle 2 Annual Miles*
Year Vehicle 2 Purchased or Leased*
Is Vehicle 2 Financed or Leased?*
- Financed
- Leased
- Owned/Paid in Full
Name of Lien (Loan) Holder or Lessor?*
Vehicle 2 Requested Bodily Injury Liability Limits*
Note: Pays for others’ injuries if you cause an accident. (Amount Per Person / Maximum Per Accident)
Vehicle 2 Requested Property Damage Liability Limit*
Note: Pays for others’ property damage if you cause an accident
Quote Comprehensive and/or Collision coverage for Vehicle 2?*
Note: Your auto policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident. Collision Coverage pays for physical damage to your car as a result of your auto colliding with an object, such as another car or a tree. Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.
Vehicle 2 Requested Collision Deductible*
Vehicle 2 Requested Comprehensive Deductible*
Is there an additional vehicle?*
- Yes
- No
Vehicle 3 Manufacturer Name*
Vehicle 3 Model Name*
Vehicle 3 VIN Number*
Vehicle 3 Use*
Vehicle 3 Annual Miles*
Year Vehicle 3 Purchased or Leased*
Is Vehicle 3 Financed or Leased?*
- Financed
- Leased
- Owned/Paid in Full
Name of Lien (Loan) Holder or Lessor?*
Vehicle 3 Requested Bodily Injury Liability Limits*
Note: Pays for others’ injuries if you cause an accident. (Amount Per Person / Maximum Per Accident)
Vehicle 3 Requested Property Damage Liability Limit*
Note: Pays for others’ property damage if you cause an accident
Quote Comprehensive and/or Collision coverage for Vehicle 3?*
Note: Your auto policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident. Collision Coverage pays for physical damage to your car as a result of your auto colliding with an object, such as another car or a tree. Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.
Vehicle 3 Requested Collision Deductible*
Vehicle 3 Requested Comprehensive Deductible*
Is there an additional vehicle?*
- Yes
- No
Vehicle 4 Manufacturer Name*
Vehicle 4 Model Name*
Vehicle 4 VIN Number*
Vehicle 4 Use*
Vehicle 4 Annual Miles*
Year Vehicle 4 Purchased or Leased*
Is Vehicle 4 Financed or Leased?*
- Financed
- Leased
- Owned/Paid in Full
Name of Lien (Loan) Holder or Lessor?*
Vehicle 4 Requested Bodily Injury Liability Limits*
Note: Pays for others’ injuries if you cause an accident. (Amount Per Person / Maximum Per Accident)
Vehicle 4 Requested Property Damage Liability Limit*
Note: Pays for others’ property damage if you cause an accident
Quote Comprehensive and/or Collision coverage for Vehicle 4?*
Note: Your auto policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident. Collision Coverage pays for physical damage to your car as a result of your auto colliding with an object, such as another car or a tree. Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.
Vehicle 4 Requested Collision Deductible*
Vehicle 4 Requested Collision Deductible*
Is there an additional vehicle?*
- Yes
- No
Vehicle 5 Manufacturer Name*
Vehicle 5 Model Name*
Vehicle 5 VIN Number*
Vehicle 5 Use*
Year Vehicle 5 Purchased or Leased*
Vehicle 5 Annual Miles*
Is Vehicle 5 Financed or Leased?*
- Financed
- Leased
- Owned/Paid in Full
Name of Lien (Loan) Holder or Lessor?*
Vehicle 5 Requested Bodily Injury Liability Limits*
Note: Pays for others’ injuries if you cause an accident. (Amount Per Person / Maximum Per Accident)
Vehicle 5 Requested Property Damage Liability Limit*
Note: Pays for others’ property damage if you cause an accident
Quote Comprehensive and/or Collision coverage for Vehicle 5?*
Note: Your auto policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident. Collision Coverage pays for physical damage to your car as a result of your auto colliding with an object, such as another car or a tree. Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.
Vehicle 5 Requested Comprehensive Deductible*
Vehicle 5 Requested Collision Deductible*
Other Liability Coverage
Do you need Personal Injury Protection (PIP) coverage?*
- Yes
- No
- Not Sure
Also known as "No-Fault," PIP pays for lost wages and treatment of minor injuries to you or your passengers in an accident. PIP pays out before liability coverage. PIP is required in Kentucky.
PIP Limits of Liability
- $10,000 (minium in Kentucky)
- $20,000
- $30,000
- $40,000
- $50,000
- $75,000
- $100,000
Do you need Medical Payments coverage?*
- Yes
- No
- Not Sure
This is similar to PIP and covers you or your passengers’ injuries in an accident, regardless of fault. Unlike PIP, this coverage won’t pay for lost wages, and limits are lower. Medical Payments coverage is required in Ohio.
Medical Payments Limits of Liability
- $5,000
- $10,000
- $15,000
- $25,000
- $50,000
- $100,000
- Not Sure
This is similar to PIP and covers you or your passengers’ injuries in an accident, regardless of fault. Unlike PIP, this coverage won’t pay for lost wages, and limits are lower, often less than $10,000. Medical Payments coverage is required in Ohio
Uninsured (UI) and Underinsured Motorist (UIM) coverage Selection*
- $50,000 / $100,000
- $100,000 / $100,000
- $100,000 / $300,000
- $250,000 / $500,000
- $300,000 / $300,000
- $500,000 / $500,000
- $1M / $1M
- Not Sure
- Reject UI and UIM Coverage
Uninsured and underinsured motorist coverage pays out if another driver causes an accident and doesn’t have any (uninsured) or enough (underinsured) liability insurance to cover your and your passengers’ injuries.
Other Insurance
Would you like a quote for other insurance?*
- Home
- Condo
- Renters
- Manufactured Home
- Recreational Vehicle
- Boat
- Motorcycle
- Other
- None
Consent*
I understand
This form is not an insurance policy – it is general information necessary to prepare a quotation. Note that many carriers require a complete signed carrier application specific to their product offerings.

Kentucky State Minimums for Coverage:

Ohio State Minimums for Coverage:

100% Independent

Form - Personal Auto Questionnaire

General Information

Other Driver(s) Information

Accident History

Vehicle Information

Other Liability Coverage

Other Insurance