Personal Automobile Insurance

The Basics

  • All applications must be processed through the EASi system.
  • The EASi application and rating system is contained on the website and you must register with our office to be issued an EASi password.
  • When the EASi application has been completed you must print the application, obtain original signatures and mail with 40% of the estimated annual premium to the KAIP office.


KAIP Manual:

KAIP Personal Auto & Commercial Manual


Some Common Questions

Personal Auto Front Page

Who and what types of vehicles are eligible?
  • Applicant unable to secure coverage in the voluntary market.
  • Vehicle registered in KY.
  • There is a duly licensed operator on the application.
  • Private passenger, non-fleet.
  • Motorized vehicles licensed for road use.
  • Named non-owner applicants.
What coverages are offered in private passenger auto?
  • Basic Bodily Injury and Property Damage Limits of $25,000/$50,000/$25,000.
  • Optional BI and PD limits of $50,000/$100,000/$25,000 are available.
  • UM and UIM available at the standard limits provided in the KAIP manual.
  • PIP basic limits of $10,000 with $10,000 increments available up to maximum $40,000.
  • No physical damage coverage available.
What payment plans are available for private passenger?
  • Advance Premium
    • 30% Deposit
    • Remainder due in 30 days
    • No installment charge
  • Installment Plan
    • 25% Deposit
    • 5 installments due at the end of 2,3,4,5, and 6 months after effective date
    • $4 installment charge
When will coverage become effective?
  • Transmission of application by EASi is required
  • Effective when application is completed and executed subject to following requirements:
    • The producer and applicant certify on the application the date and time completed
    • Must be mailed to the Plan no later than one working day following date of transmittal as evidenced by postmark or,
    • Hand delivery via mean of overnight mail, courier, or other delivery service no later than one working day following the date of transmittal of the application.
  • If not delivered within above time frames, coverage shall be effective at 12:01 a.m. on the day following receipt of the application.
  • Future effective dates may be established up to 30 days from the date of transmittal of the application.

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