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.

How long does an inexperienced motorists rate apply to insurance companies in Kentucky?  I am a new driver and my auto insurance rates are higher than I was expecting them to be.

Jeff

Louisville, KY

Each insurance companies in Kentucky is different in their rating factors; this includes their insurance rates for inexperienced and young drivers. For some auto insurance companies it is three years for others it can be 5 to 9 years that an insurance company will term and rate someone as inexperienced.

Some companies do not look at the date that the driver was first licensed at all, but use their age as the only rating factor. When the age of the driver is the thing being looked at, typically a motorist under the age of 25 is considered inexperienced.

If you have just recently received your driver’s license you should shop around for car insurance to find the best insurance rates for your car and level of experience behind the wheel of it.

Im 18 years old and I was pulled over and was caught driving without auto insurance. What will happen to me? I live in Kentucky.

Bill

Lexington-Fayette, KY

According to the State of Kentucky all motorists are required to carry liability coverage in the amounts of 25/50/10.These numbers stand for $25,000 total for bodily injury per person up to $50,000 total for bodily injury coverage per accident and $10,000 total for property damage per accident.

The penalties for operating a vehicle without Kentucky car insurance can be severe. For the first offense you are cited to go to court and can be fined between $500 – $1000 or be imprisoned for not more than 90 days or both.

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