Auto owners insurance in Kentucky

Kentucky auto owners insurance is offered to clients along with a standard automobile insurance. What does this insurance cover? The standard problem is that the liability for the probable damage you can cause is covered by the insurance within certain limits. It means that insurance will cover only a certain sum of money and if the damage requires more you will have to pay it yourself. Usually a sum of money provided by an insurance company is enough to cover everything but sometimes there are cases when you crush into a very expensive car, for example. And for such cases auto owners insurance is created. It either increases the auto insurance limits or presupposes a full reimbursement of the caused damage.