What if I'm in a car that doesn't have insurance?
If you are not the driver, you can fall back on your own insurance policy or that of a family member in your household. If you don't have Kentucky automobile insurance, there is an assigned claims plan which applies unless you simply disregarded your obligation to buy No-fault insurance, or let your policy lapse. An application would have to be submitted to Kentucky Assigned Claims. You may wish to have an attorney help you with this procedure.