Reader’s Question:

My license got suspended due to DUI in Louisville, Kentucky. I am quite humiliated by this and I am not sure how to go about SR22 filing in KY.

Macy

Louisville, KY

Getting a DUI is not the end of the world, Macy.

You always have options to get your driver’s license back, like filing an SR22 in Louisville, Kentucky. Under Kentucky law, if you had your license suspended due to DUI, reckless driving, too many tickets, or other violations, you need to provide an SR-22 to get your license back. There are companies online that can get you an SR22 quickly and easily. You will be surprised that in just a few minutes, you’ll be on the road to driving again.

You can get get free confidential SR22 quotes online through websites like this one without any obligations. All you need to do is to simple plug in your zip code on the relevant space above. As these companies want to put you back in the driver’s seat today, it would not matter to them why your license was suspended. They do not judge you why you got ticket for DUI, reckless driving, accidents or any reason at all. All these SR22 insurance companies care about is helping you get your license back. These companies know that your privacy is important and will never sell your information.

In fact, there are many SR22 insurance services in Louisville, Kentucky that are truly dedicated to serving you. Choose one that is a highly specialized provider of SR22 insurance in your area. Get from companies that offer you the lowest rate on SR22 filing.

Tags: auto insurance, car insurance, cheap sr22 insurance, SR22 filing, DUI

Reader’s Question:

I was found to be at-fault in an accident and the other driver filed a claim against my Fayette, KY insurance company for property damage. He quoted about $5,000 that he said he lost in diminished value. Is there such a thing as “diminished value” claim that is payable under my auto insurance policy?

Chelsea

Fayette, KY

If you just heard about a “diminished value” claim, it does exist. This claim is based on the idea that any car that has been in an accident, regardless of how well the repairs are done, is worth less than the exact same car that hasn’t been in an accident.

The physical damage section of an auto insurance policy does not usually cover claims for a car’s “diminished value” after an accident. It applies to direct and accidental damage only. By definition, direct damage is the actual physical damage done to the car, not a loss in value.

This is the reason why some courts began to question this approach and ruled that since diminution in value was not specifically excluded by the terms of the policy, it was covered.

However, a diminished value claim is a liability claim for property damage and cannot be judged in the same light as a physical damage claim. Under a liability claim, the insurer agrees to pay damages for property damage for which the insured is legally responsible because of an auto accident. If you’re legally liable for the damages of the claimant, then whatever the amount for which you’re liable for is the amount the policy will pay. Be aware that it still is subject to the limit of liability amounts.

It’s always advisable to contact your insurance agent in Fayette, KY or your insurance company directly to have a further discussion regarding the terms of your policy.

Tags: auto insurance

Reader’s Question:

I have a 16 year old teenage son and I was wondering what grade point average he needs in the state of Kentucky to have car insurance?

Bill

Louisville, KY

I am not aware of that grade point average that someone has to carry in order to be able to have car insurance in KY. What I do know is that KY does have a form of the No Pass, No Drive law in Kentucky though that authorizes the Kentucky Transportation Cabinet to have administration regulations regarding a young or minor driver licensing applicant.

This administration regulation, requires participating schools to inform the Transportation Cabinet if a minor is academically deficient or withdraws from school. Therefore as a 16 or 17 year old and you drop out of a participating school or deemed to be deficient academically, you will lose your driver’s license.

Tags: Student car insurance, teen insurance, Young driver car insurance

Reader’s Question:

My daughter received a speeding ticket in Indiana and I am licensed in the Owensboro Kentucky. I would like to know if the state of Kentucky will be able to know about this? Will this affect her car insurance rate?

Jenny

Owensboro, KY

Kentucky and Indiana are both part of the Drivers License Compact which requires member states to report any offenses for other traffic violations back to the home state in which the individual was issued their license. Therefore the IN Bureau of Motor Vehicles or the court should notify the KY Transportation Cabinet of the speeding violation you received from a different state.

According to the Kentucky driver’s manual the KY Division of Driver Licensing keeps a record of all traffic violations on each driver licensed in KY. These driving records are based on traffic convictions reports, payment of fine, forfeiture of bail, with or without court appearances, which are forwarded to the Division of Driver Licensing by the courts throughout the US.

Your daughter may contact her auto insurance company to find out if this speeding ticket will increase her auto insurance rate.

Tags: car, car insurance rate, traffic violation

Reader’s Question:

I’m Gayle from Fayette, KY and had a recent car accident. I want to know what actions must I take after a car accident? Do I need to accept a settlement offer from the insurance company?

Gayle

Fayette, KY

Hi Gayle. Under the Kentucky law (KRS 189.635) you are required to call the police to report the accident if someone is harmed or injured; or one of the cars is rendered inoperable. If no police investigation is made and either the car suffers $500 or more in damage expense you must report the incident to the State Police within 10 days. Next, your car insurance company requires you to report the accident to your insurance company and fill out the appropriate forms.

As for your second question, the answer can be a Yes or a No. Car insurance companies in Fayette, KY are notorious for offering settlements that are far less than the injured party deserves. However, if the car insurance company is offering what you feel the car is worth, then you can accept it. It will also be advantageous if you consult an experienced lawyer that is knowledgeable on car accident laws. By contacting an auto accident injury lawyer you may be able to receive a much larger settlement than the car insurance company has offered.

Reader’s Question:

I need to know more about SR22 in Kentucky. I got convicted of DUI lately and I have a court order to file SR22. Hope you can help me.

Pat

Fayette, KY

Hello there, Pat.

I am glad you asked about SR22. A lot of people get convicted of DUI and would have trouble with their insurance…for it could eventually lead to higher insurance rates.
An SR22 is actually a form that serves like a tracker of the high-risk classified. This shows proof of insurance to the DMV. Unfortunately, it is inevitable that DUI’s and DWI’s will likely raise your car insurance premiums.

There are some cases when the rates go so high that the insured is unable to cover the costs. It will be the burden of the insurance company to inform the DVM that the high-risk driver or SR-22 carrier no longer holds auto insurance. You may verify from Kentucky DVM, but normally, SR-22 will last for 3-5 years. After this period, you will be able to experienced reduced car insurance premium may go down depending on how well your driving history has been.

There are some SR22 insurance companies online that offer services for filing SR22. They will not be judgmental about your situation because their ultimate goal is to get you an SR22 within the day so you will be able to drive again. You might want to try to shop online for these services are available at he click of your mouse.

Reader’s Question:

I would like to know if the state of Kentucky have free windshield replacement? And if so, what do I do to get it?

Sandra

The answer is Yes. You can get your windshield replacement meaning no deductible is paid, in Kentucky however you must have Kentucky comprehensive coverage on your car. If you only have liability coverage on your car you will have to pay to get your windshield replaced.

So if you have Kentucky based comprehensive insurance, the Kentucky laws state that your insurance carrier will waive the deductible for windshield repair or replacement, which means no out-of-pocket expense for you.

If your windshield has been broken or cracked so that it needs replaced or repaired then you should make a claim through the comprehensive portion of your car insurance policy.