Reader’s Question:

If I received a DUI in California can I still obtain a driver’s license in Kentucky?

Marla

Louisville, KY

If you received a driving under the influence (DUI) conviction in California you might be able to obtain a driver’s license in Kentucky. Typically, a fist time DUI offense in CA has penalties such as jail time, vehicle impoundment, fines, license suspension for 6 months or more, and a completion of a DUI program.

If you have dealt with the penalties given to you for being convicted of the DUI in CA and have taken care of any licensing issues already regarding the DUI, then Kentucky would likely permit you to obtain a license.

According to the Kentucky Transportation Cabinet Division of Driver Licensing, they check the NDR to determine if a motorist’s driving privilege is suspended in other state prior to a license being issued. If a motorist is suspended, a KY license will not be issued until that suspension is no longer in effect.

Reader’s Question:

Can you explain what a Guest PIP in Kentucky is?

Richie

Louisville, KY

Guest PIP is a type of coverage that must be bought if basic PIP has been rejected by the insured’s listed on an insurance policy. The state of Kentucky is a “choice no-fault” and this means that a driver can choose to insure their car under the tort system or the no fault system.

According to the Kentucky Department of Insurance representative, in Kentucky when you buy auto liability coverage you also buy PIP coverage for you, your family and guest passengers (choose the no-fault system).

Usually, guests are defined as those in your car that are not immediate family members. Normally, additional PIP is not afforded to a policy that includes Guest PIP coverage only.

Reader’s Question:

Im 18 years old and I was pulled over and was caught driving without 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.

Reader’s Question:

I have a driver’s license in Kentucky, but I do not have a vehicle. I have been driving my brother’s car. He has car insurance, but I am not listed on the insurance policy as a driver. Can I still drive his car? What’s going to happen if I get involved in an accident?

Jean

Louisville, KY

If you are operating your brother’s vehicle with any kind of regularity, you should be listed on your brother’s policy as a driver. Otherwise, your brother runs the risk of having the insurance provider deny coverage for a claim if you get involved in an accident while using that vehicle. As a result you and your brother can be held accountable for that accident. If your brother does not add you to that policy as a driver, to protect your interests, you may consider buying a ‘named non owner’ insurance policy. This policy will provide coverage for liability,uninsured motorist, medical payments and coverages for someone who does not own a vehicle and will be operating a vehicle owned by someone else.

Q: Can I buy Auburn KY SR22 car insurance coverage online?

A: Yes, you can, although it will depend on the car insurance company you prefer as to whether or not this option is available from them. Most of the larger car insurance companies, and even some smaller local ones, have begun offering Auburn KY SR22 insurance online. You can find insurance this way pretty easily, by using quote sites and other online information in order to find the best company for you. So, not only is it possible to buy your insurance online, but it is in fact preferable, because you save more money if you buy insurance, or at the very least research it online.

Many Auburn KY SR22 car insurance companies are noticing the profit involved in selling car insurance online, and have begun to give out incentives to customers who choose to do so. Usually this is done in the form of online car insurance discounts, where you can get five to twenty percent off of your Auburn KY SR22 insurance policy if you choose to purchase your insurance online. Discounts like these are made possible by the fact that companies save a lot of money in the range of offices, labor, call centers, and so on by moving their services online and making them more accessible to internet users.

Q: Can a person with a learner’s permit be on my Bowling Green KY SR22 insurance?

A: Anybody can be added to your Bowling Green KY SR22 policy within reason, and if the person who is getting the learner’s permit is related to you or lives with you, then it may even be necessary. Everybody who has some kind of driving permission must drive an insured car, and regardless of age or learning status, if they are pulled over while uninsured, they will suffer the consequences, which in some cases could include not being able to get their driver’s license when they turn 16. If you have someone with a learner’s permit who is living in your house and you don’t name them on your Bowling Green KY SR22 policy, then if they ever get into a car accident, your company would be able to deny their claim. Your company could also cancel your policy as soon as they found out.

If you want to add a young driver to your Bowling Green KY SR22 policy but don’t want to pay outrageous rates, you can put them to work on getting discounts. Your new driver should be enrolled in a general driver’s education course, and you can enroll him or her in a defensive driving course as well and be provided with a discount for it.

Q: How many tickets will it take before my cheap KY SR22 auto insurance premium is affected?

A: It depends both on your position with your cheap KY SR22 auto insurance company, your history with them, your history concerning tickets, as well as the severity of the ticket itself.

If you have been with a car insurance company for a long time, then many times they will have an option for you to bypass any rate raises which come from an accident or a ticket. If you are already getting cheap KY SR22 auto insurance, then it’s possible that you have already used this up if it was ever available to you, although some car insurance companies will allow you to do this as many as two times. You might see similar results if you are considered a preferred customer in your company. A preferred customer is someone with an impeccable record who has almost no chance of filing a car insurance claim. In many companies, it is difficult to have this status taken away from you once you have it.

Some tickets will be more likely to raise your rate than others, especially if you have cheap KY SR22 auto insurance. Running a red light and driving over 15 miles over the speed limit are almost guaranteed, but driving with an expired registration sticker might not have any effect at all.

Q: I always end up spending a lot of time every month paying my bills, and I’ve noticed how big a burden car insurance is. Can I get cheap SR22 insurance, or is that out of possibility?

A: Since you waste a lot of time paying bills, there is one thing you can do which will make it easier for you to get all of your bills taken care of in a smaller amount of time, and which will also aid you in receiving cheap SR22 insurance. Actually, there are two ways. Way one would be for you to try and pay all of your car insurance at once each time you renew. If you pay monthly, an installment fee is added on to your premiums. By bypassing the installments, you can save around fifty dollars.

Way two would be for you to get your cheap SR22 insurance from a company which provides multiple kinds of insurance. If you get your health, life, home owners or renters, and auto insurance all with one company, you can not only combine the premium to make it more manageable, but you can also get a discount for compressing multiple insurance lines into one policy.

Q: For how long will a traffic ticket affect my cheap SR22 rates?

A: If you have a moving violation on your traffic ticket, then in most cases it will remain on your driving record for around three to five years. Although many car insurance companies only keep on using it to rate your insurance for three years after the fact, many companies will do this for five years to affect your cheap SR22 insurance. It really depends on the car insurance company you have your cheap SR22 with. As for your SR22 itself, if you got it because of a DWI, then that will likely affect your insurance rates for around three to five years as well, but it will be on your driving record for 10 years and it is still possible for it to affect your rates during that time.

If you do receive a moving violation, then even if you are guilty you should do your best to try to fight it when you arrive at your court date, because if you don’t you could see your days of cheap SR22 insurance go away. Many car insurance companies enact stiff penaltes for people who have moving violations, and things such as speeding tickets have been know to cause rises of as much as 25% in car insurance rates.

Q: Although I’ve been trying, finding a Frankfort KY SR22 car insurance company is proving impossible. How can I get insured now that I have to file an SR22 form?

A: Many companies refuse to offer Frankfort KY SR22 insurance because it’s simply too risky, and so for those who must file it, looking for a company that does offer it can be like searching for a needle in a haystack. While these companies may show up on the map less frequently or may be more expensive, this isn’t to say that it is impossible to become insured this way. You just have to know where to look.

You need to look for companies which claim to offer high risk insurance, because your Frankfort KY SR22 falls into this category. By choosing these companies, you are more likely to be sold an insurance policy, since they sell them to most. If your driving record is really bad, though, you might be denied even by them.

But the road doesn’t end there. If you can’t take out a Frankfort KY SR22 policy from a high risk policy, you can go ahead and join the state assigned risk pool, where you will definitely get insured.