This is a busy time of year; however, it is a good time to evaluate the type of protection that your car insurance provides.

Kentucky law mandates that car drivers carry $25,000 in liability protection.  This protection is woefully inadequate for many automobile collisions.  In fact, the mandatory minimums have not been raised in more than 20 years.  During the same period of time, the average medical costs have risen more than 400 percent.

The problem is compounded by thousands of drivers who operate motor vehilces without any coverage at all.

Recently, we determined that some states have no liablilty minimums at all.  Families injuried in these states are at risk of having no coverage to compensate them for their injuries, regardless of whether the damages are slight or life changing.

The best protection is to reevaluate the "underinsured/uninsured" coverage that must be offered with a traditional liability policy.  This is usually the cheapest insurance that can be purchases.  Coverage of an additional $100,000 to one million is affordable to most Kentuckians.