Reader’s Question:

I am under the age of 18. What happens if I get pulled over and I got no car insurance in Fayette, Kentucky?

Bart

Fayette, KY

The penalties for driving uninsured in Fayette Kentucky can be rather harsh. For a 1st offense you are cited to go to court and be imprisoned for not more than 90 days or be fined between $500 to $1000 or both.

Your Kentucky license plates and motor vehicle registration can be suspended for 1 year or until proof of auto insurance is provided. You could also lose your license for up to 1 year. The penalties increase for each subsequent offense of not having proper proof of car insurance.

If you do not yet have your full KY license, due to the graduated licensing system and being under eighteen, there may be other penalties included so check with the KY Transportation Cabinet.

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

Reader’s Question:

I need to sell my new car and I can’t afford the payments. I have gap insurance in Newburg, Kentucky. Will it only help if the vehicle is totale or stolen? Will the gap insurance help if we are trying to sell the car?

James

Newburg, KY

Yes, GAP insurance would only be of use if your car was found to be a total loss or if it was stolen and your primary insurance policy paid out actual cash value for the car. You cannot make use of your GAP insurance policy in Newburg, Kentucky if you are upside-down on your loan and wish to sell the car.

Gap insurance is use to pay the difference between a covered insurance loss and the balance of your lease or loan. If you sell a car, this is not an insurance loss and threfore a claim with your Gap insurance company could not be placed.

Tags: auto insurance

Reader’s Question:

I live in Florence, Kentucky and got a speeding ticket for doing 55 in a 35. I am only seventeen, is it necessary to have my parents go with me to the court? How many points will be removed from my license?

Robert

Florence, KY

It is six points on your driver’s license for speeding 16 to 25 mph over the speed limit on any public highway or road. Receiving six points will likely get you a notification from the Division of Drivers Licensing and you may be requested to show up for an interview.

If you are required to appear to an interview, the Kentucky Transportation Cabinet representatives will know if a State Traffic School program would benefit you as a motorist.

You will have to check with the clerk of the court’s office in Florence, Kentucky , or other entity listed on your citation ticket, to check if your parents need to show up with you at court. They will likely since you are seventeen and thus a minor.

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