Kentucky is a No Fault State – What does that really mean?

There seems to be confusion surrounding this topic so I thought we would help clarify and simplify what this really means.  Kentucky is a no fault state.  However, the no fault only applies to the MEDICAL expense portion of your automobile insurance policy.  When two parties are involved in an accident and injuries occur, each party’s own insurance pays for their medical expenses.  However, the property damage (vehicle repairs) will come from the responsible party’s policy.

No matter what state you live in, you must abide by the laws of the state where the accident occurs.  Some general rules apply to all states when an accident happens.

It is always best to contact the police to make a report no matter the size of the accident.  Some police jurisdictions will not respond to private property such as parking lots, ect.  If that is the case, take the information yourself.  You should get the driver’s name, address and phone number.  You need as much information about the vehicle (year, make, model) as possible.  Of course, try to get their insurance information too.  The more information you get at the scene, the faster your claim can be handled by your company.

We are always here to discuss any questions that you have regarding your policy. Call us

How does ‘back to school’ affect your insurance?

This is a busy time of year and there is a lot to do!  Before the kids head off to college, let us educate you about what changes to your policy may be needed to protect you and your belongings.  I have highlighted a few common areas below, but circumstance can vary.  Call us for a personal review of you assets and how to protect them.

College campuses are notorious for crime.  According to the FBI’s Crime in the US report, there were over 78,000 property crime incidents reported on college campuses.  Bikes, cars, laptops/notebooks, and other electronics are commonly stolen items.  With the proper insurance coverage you will not have to worry about it.  Policies to protect these types of items are very affordable.

On or Off Campus?

Are they living in a dorm or off campus in an apartment?  This determines if coverage will extend from the parents’ homeowners policy.  Coverage from parent’s policies will be limited to a specific amount unless the items are specifically added through an endorsement.  A personal article floater policy can better cover valuable items for a multitude of perils.


Was your college student able to take their vehicle to school?  If they did not and school is over 100 miles from ‘home’, some companies offer a discounted rate on the parent’s policy.  Each company has specific rules and everyone’s situation can be different. 

Good Student?

Most companies offer a good student discount for students with B average or better.  Besides the obvious benefits of studying hard and earning good grades, insurance companies reward good grades as well.  We will need a current report card on file to send to the insurance company.

High school and college are the most exciting and fun times of their lives.  Let us help transition them into adulthood.  Having the proper insurance in place can smooth out some of the bumps in the road.

ISO Ratings – What it means to the average community member.

Unbeknownst to some consumers, the quality and performance of your local fire department can play an important role in how much you pay for home insurance.   

“ISO, an organization that tracks property and casualty insurance risk, evaluates and rates a community’s ability to handle fires. Many insurers factor that information into the formulas they use to come up with your home insurance premium. The thinking behind using ISO ratings is this: The better equipped a community is to fight fires, the less likely it is that homes and businesses in your area will sustain major fire damage.”

Fire departments can score between 1 and 10, with Class 1 being the best and Class 10 the worst.  To determine the ratings, ISO evaluates the fire department’s staffing, training, equipment and location, the community’s water supply and also the communiciation of the emergency departments.

ISO requests updated information from communities at least every two years and in some cases at least once a year. ISO also invites communities to let it know about substantial changes have happened since the last evaluation.

All of the insurance companies that Gower Insurance Agency, Inc. represents use the ISO ratings in the calculation of premiums.  It is not the only factor by any means, but it does make a difference in a homeowner’s premium.

ISO will have their systems updated soon.  The next renewal of your homeowner’s policy should reflect the new rating.  Since this is not the only factor insurance companies use to rate, it is hard to say how much of a savings City of Metropolis residents will see, however, we are sure you agree that any savings is helpful.

Thanks again to all involved with the efforts to upgrade our City, our Fire Department and our ISO ratings.

Our Location

Gower Insurance Agency

Gower Insurance Agency

504 Market Street
Metropolis, IL 62960
Main office: 618-524-4660
Toll free: 866-614-5255

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.