Q. What area does Vaughn Insurance Agency Company serve?

A. Vaughn Insurance Agency Company is licensed to write insurance in Kentucky and holds a non-resident license to write insurance in Indiana as well. If you do not live in Kentucky or Indiana, you may find an agent in your area by visiting this site: Independent Insurance Agents of America

F A Q about Auto Insurance

Q. I have automatic seatbelts in my car. Isn't that enough protection?
A. Lap/shoulder belts are effective in frontal crashes at low and moderate speeds. However, people wearing belts can be seriously injured at higher speeds. Their heads and faces are especially vulnerable. Air bags prevent many of these injuries. Manual lap/shoulder belts are reasonably effective in preventing auto accident injuries and deaths. The National Highway Traffic Safety Administration maintains that 12,000 to 15,000 lives could be saved annually if all passenger car occupants used safety belts at all times. In addition, some insurers offer discounts to people who buy cars equipped with automatic lap/shoulder belts and/or air bags.

Q. I'm getting ready to purchase a new car. How do the make and model help determine the insurance premium?
A. All makes and models of vehicles have crashes and are stolen; however, some have records worse than others. Some models suffer heavier damage at lower speeds than others and are generally more costly to repair. It would be wise to check with your agent before purchasing a new vehicle. Insurance companies, car manufacturers and consumer groups offer information to help you with this decision.

Q.The insurance company has canceled my auto insurance. What are my legal rights?
A. You have four (4) days from the date you receive such a notice to ask the Kentucky Department of Insurance,in writing, to review the company's action. The Commissioner then will obtain an explanation from the insurer and will inform you of the results.

Q. I know insurance companies sometimes offer discounts on auto policies. What should I ask about?
A. You might ask about the following: Good driver, Mature driver, Car-pooldriver, Multi-car household, Multi-policy (auto & home same company),Anti-theft device, Seat belts/air bags, Non-smoking driver

Q. The agents at Vaughn Insurance Agency Co. tell me that I need to carry at least 25/50/10 coverage. What does this mean?
A. This is the minimum amount of coverage required by law in Kentucky. The numbers mean that you have $25,000 maximum total for bodily injury coverage per person/$50,000 maximum total for bodily injury coverage per accident/$10,000limit on property damage. Although this coverage is legal and the premiums would be inexpensive, it may not be enough to protect you and your assets in the event of a claim against you. Be sure to discuss this with us here at Vaughn Insurance Agency Co. and ask us any questions about your policythat you don't understand.

Q. What can happen to me if I drive without insurance?
A. If the Department of Vehicle Regulation is made aware that you are driving without insurance, that Department will revoke the registration of your motor vehicle. If a law enforcement officer stops you, you may face a fine ranging from $500-1,000 and the suspension of your license plates and/or driver’s license. Fines and penalties for repeat offenses may be greater. Lastly, your insurance company probably will put you in the "high-risk" category with increased premiums.

Q. What should I do if I'm involved in an accident?
A. Obviously, if someone is injured, you should immediately call for help. Whenever possible, get the other driver's name, address, phone number, driver's license number, auto license number, insurance company, and policy number. Also, get the names and telephone numbers of witnesses to the accident. If the police are called, make a note of the reporting officer's name and badge number. Even if you were not at fault, report the incident to your insurance company as soon as possible.

The following companies have 24-hour Immediate Response - Claims Service

Progressive: 1-800-274-4499

Ohio Casualty Group: 1-800-366-6446

GuideOne (formerly Preferred Risk Group): 1-888-748-4326

State Auto Insurance Companies: 1-800-766-1853

Vaughn Insurance Agency Co. has a 24-hour voice mail system for any emergency situation that might arise. Please call our office at 270-827-3505 or toll-free 888/827-3505, pick option number 3 and leave a message for our agent onduty. The agent on duty will call you back as soon as possible.