Reader’s Question:

I have full coverage on my car in Louisville, Kentucky and a few weeks ago my automobile was caught on fire however when the claims adjuster checked my vehicle in a few days he said that all of my aftermarket parts such as amplifier, CD, etc. made hot leads to the battery and that is where the fire originated which was according to the fire department so the claim will be denied?

James

Louisville, KY

Insurance carriers in Louisville, Kentucky vary on their guidelines with regards to aftermarket parts or the customizing of automobiles. Usually your auto insurance carrier would need to be informed about the performance parts beforehand for these to be covered under your car insurance policy. Most insurance providers want to do an endorsement for these non-factory parts to be covered under your car insurance policy.

You will have to speak to your car claims adjuster regarding the custom parts to check if those will be covered.If you have the receipts, it will be useful if your car insurance carrier will permit your car insurance claim. Keep in mind to always let your insurance carrier be informed about any addition to your car so you will be sure your car insurance policy will cover these parts.

You can always shop around for auto insurance company in Louisville, Kentucky that will permit customized parts and get auto insurance quote for your vehicle.

Tags: auto insurance, Car Insurance Company

Reader’s Question:

I was contacted by an insurance carrier in Owensboro and they told me that they compared their car insurance rates to our insurance carrier and they said they offer better car insurance rates. They said they were looking at our insurance policy and said we could get a better deal with them. How is it possible that they have access to our auto insurance information?

Desiree

Owensboro, KY

Normally a competing insurance company is not permitted to have access to your current insurance policy. For marketing, typically an insurer will look at your current registered cars and try to rate it with that. Competing insurance carriers/agents can access general information about you like your age, where you live, tax status, etc., however they should not have access to your actual car insurance policy without your permission. They are in violation of insurance privacy regulations if they do.

Most likely the insurance carrier that called you was using a marketing strategy to get your business. As for comparing their car insurance rates with your insurance carriers rates overall, that is possible since some insurers do publish sample insurance rate quotes. For instance, you live in Owensboro Kentucky, here the Kentucky Department of Insurance (DOI) provides a consumer guide that lists insurance carriers authorized to sell auto/homeowners/renters insurance in KY and those insurers have provided rate comparisons for certain situations.

If you believe that the insurance company that contacted you truly did have a copy of your car insurance policy then you can have the KY DOI, the insurance regulator for the state, investigate the issue and you can file a formal complaint with this state agency.

Tags: Car Insurance Company, car insurance quotes, car insurance rate

Reader’s Question:

I would like to know what the penalties would be for driving a car that is not registered to me, or charge me with driving without car insurance in Louisville, Kentucky and failure to show proof of insurance? The vehicle was not mine.

Paul

Louisville, Kentucky

The penalties for driving a car without auto insurance in Louisville, Kentucky can be rather harsh. For the first violation you are cited to go to court and can be fined between $500 up to $1000 or a jail time for not more than ninety days or both.

Your Kentucky motor vehicle registration and license plates can be suspended for a year or until proof of automobile insurance is provided as well for the registered car owner of an uninsured car. License suspension for up to one year is also a possible penalty. The penalties for each subsequent offense of not having proper proof of car insurance, increase.

While you are not the owner of the vehicle in which you were operating, The Kentucky laws still hold you liable as a driver to make sure the vehicle you are driving is insured and be sure that there is proof of that insurance to show to police officer upon request.

If you want to know more about the specifics on the laws of Kentucky then you can contact legal attorney. An attorney may be able to advise you if there is any way to have your tickets transferred to the vehicle owner if you had asked about car insurance and were assured the automobile was insured and therefore were unaware that you were driving without auto insurance.

Tags: auto insurance, driving without insurance

Reader’s Question:

Can I have the title of the vehicle under my name and have the car insurance under my mother’s insurance policy in Covington, KY?

Thomas

Covington, KY

Insurance carriers in Covington, KY have different guidelines so you will have to know for sure if your father’s insurance would permit this type of set up for car insurance. One must have insurable interest in order to insure a car. If you want your mother to insure your vehicle, instead of yourself, then many insurance providers would not permit this since she does not have insurable interest in the car.

If you live in the same household as your mother and want to add the vehicle to her current insurance policy this may be permitted, again it will depend upon what her insurance carrier’s underwriting guidelines are. If instead you live outside of her household and thus the vehicle is garaged at a different address then it is unlikely that an insurance carrier would allow her to insure the vehicle under her insurance policy.

Tags: auto insurance

Reader’s Question:

What is the fine for driving without car insurance in Owensboro Kentucky?

Collins

Owensboro, KY

Driving without auto insurance in Owensboro and in all areas in Kentucky can be rather severe. For the first offense you are cited, you will be required to go to court and can be fined between $500 up to $1000 or imprisonment for not more than 90 days or both.

Your KY license plates and registration can be suspended for 1 year or until proof of car insurance is presented. You could also lose your drivers license for up to one year. The penalties increase for each subsequent offenses of not having proper proof of car insurance liability.

If you were found driving without auto insurance in the state of Kentucky you may contact the court listed on your ticket for information on the possible penalties you may receive in court. The clerk of the court can likely advise you what the normal fine amount is for a first time violation of driving uninsured in the county in which you were cited.

Tags: auto insurance, driving without insurance

Reader’s Question:

What will be the penalties if a seventeen year old is caught driving without license in Richmond, Kentucky?

John

Richmond, KY

Driving without a license in Richmond Kentucky is a Class B misdemeanor. It is also a Class B misdemeanor for the individual permitting you to operate their vehicle knowing that you are not licensed and thus he or she could also be charge and penalized for letting an unlicensed motorist drive their car. A Class B misdemeanor in the state of Kentucky can come with up to ninety days in jail and/or a fine of up to $250.

At seventeen one is still a minor and a serious violation such as driving without a license may cause a delay in you being able to get your driver’s license. You would need to verify with the KY Transportation Cabinet to know how this offense could affect your licensing process.

Tags: auto insurance, Driving without License

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

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