• Applicant Eligibility (See Section 18 of KAIP Manual for complete list)
  • Applicant unable to secure coverage in the voluntary market.
  • Vehicle registered in KY.
  • There is a duly licensed operator on the application.
  • Named non-owner applicants.
  • Multistate operations with headquarters based in Kentucky.
• Risks Not Eligible
  • Private passenger non-fleet (unless required by filing).
  • Miscellaneous non-fleet motorized vehicles that may or may not be registered

• Basic Combined BI and PD Single Limits – $60,000.
• Optional Available under the plan:
  • $125,000
  • $150,000
  • $325,000
  • $350,000
• Higher limits available if required by state or federal filing.
• PIP basic limits of $10,000 with $10,000 increments up to total maximum of $40,000.
• UM and UIM available at the standard limits specified in the manual.

• Applications not requiring filings or limits in excess of $350,000.
  • Applications delivered via USPS
    • Become effective at 12:01 a.m. on the day following the date of mailing as shown on the postmark.
    • If no postmark, effective 12:01 a.m. on the day following receipt by the plan office.
  • For later requested date – not to exceed 30 days.
• Applications requiring filings or limits in excess of $350,000.
  • Effective no earlier than 15 days following receipt of the completed application (accompanied by the prescribed deposit).
  • Exception is an applicant re-applying after completion of a 3-year assignment period.

All plans require 40% down to be paid to servicing carrier via certified check, bank check, or money order. Plans available as follows:

• Annual/Full Pay
• Single bill balance – remainder to be paid within 30 days of date of premium notice.
• Installments (40-30-30)
  • 30% due in 90 day increments based on effective date of policy.
  • $4 service charge per payment.
• Premium finance
  • 40% down.
  • A copy of finance agreement must be submitted with application.

1. Applications are date stamped when received.
2. Applications are checked for completion and if not properly completed or required forms are not attached, it will be returned for additional information. This may delay the coverage effective date.
3. Applications are assigned to the Servicing Carrier (National Specialty Insurance Company, serviced by AIPSO).
4. The appliation shall be evidence of temporary insurance subject to the conditions outlined in Section 16 of the application.
5. The Servicing Carrier will mail the policy and insurance cards within 30 days.
6. All billing, claims and policy administration is handled by the Servicing Carrier.