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Louisville Insurance Blog

Long Term Care Insurance

Long Term Care Insurance

With every birthday cake and blown out candle, every person gets another year older. The aging population of America is now depending on their children and grandchildren to provide the cost of long term care in nursing homes or retirement communities across the country.

Approximately 70 percent of Americans over age 65 will require some type of long term care during their lifetime.
The average cost of nursing home care in the United States is $70,445 per year. In just three years, the cost can top over $200,000.
The average nursing home stay

What To Do After An Auto Accident

What To Do After A Car Accident

In the aftermath of a car accident, coping with any injuries, talking to the police, and thinking about car repairs, life can quickly seem pretty complicated. Combine all this with the scare of the crash itself and many of become incapable of making clear decisions. That’s why it’s a good idea to know beforehand how to deal with an auto accident.

Immediately after the accident there are certain things that you need to take of.

1. Check for any injuries

The first thing is to determine the extent of any injuries to yourself

Kentucky No Fault Insurance

Kentucky No Fault Auto Insurance

When most people hear “no-fault,” they think it relates to responsibility for an auto accident, which is not exactly true. So what does “no-fault” coverage mean? “No-fault” coverage is also referred to as Personal Injury Protection (PIP), which better describes the coverage. In basic PIP coverage, your insurance company pays you for medical expenses, lost wages and similar “out-of-pocket” costs due to an injury occurring in an automobile accident, regardless of who is at fault for the accident. It also means that you cannot recover these and other damages from

Kentucky Auto Insurance Minimums

Kentucky Auto Insurance Minimums

State Minimum Coverage

Most states require auto insurance and have laws that outline the minimum level of coverage you must buy. Each state has its own laws and sets its own minimum liability amounts. In states that don’t require insurance, you must prove that you have enough assets in case you are at fault in an accident. If you don’t have enough assets to cover your liabilities, you are required to buy car insurance.

However, the minimum limits your state requires may not necessarily be adequate. A car accident can cost far

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