Kentucky Auto Insurance
Reader Comment: Just wanted to say thank you for helping me find a great deal on Kentucky auto insurance. I know you spent a lot of additional time with me and I just wanted you to know that I appreciate your time and will highly recommend your website to anyone looking for a great rate on auto insurance.
Justin
Justin…..thanks 
Glad I was able to assist you.
Will Car Pooling in Kentucky Lower Your Insurance Rates?
Reader’s Question:
I have been a full-time mom since I gave birth to my son. Now he is 4 and is attending pre-school. I have recently volunteered my car for carpooling and I am curious if this qualifies me for a lower motor vehicle insurance cost. I live in Kentucky.
Moira
Louisville, KY
The price of gasoline is shooting up. That’s an unfortunate fact that car owners will have to deal with everyday. One of the simple ways to save on gas is carpooling. Many have resorted to carpooling to get to work or school, and to cater to the changing times, motor vehicle insurance providers have devised discounts to reward motorists who use their cars less. Since you have agreed to start carpooling, it’s quite possible that you would be eligible for a lower motor vehicle insurance rate. If you have been carpooling for quite some time, and have not been receiving the rate adjustment, all you need to do is contact your insurance agent and ask him or her what you need to present as proof that you indeed share a ride. Once you have gathered all the necessary documents and whatever else they may require, submit it to your agent and inquire if you are entitled to a refund. If you are, they would usually apply the difference to your next policy statement. The terms and conditions on this particular issue may vary between motor vehicle insurance providers in Kentucky. Some may offer less and others may offer more. Each one may require different forms of proof. Besides inquiring from your agent, you could also seek out information on your own by visiting various websites on this topic and get up to date on the issue.
What Is No Fault Auto Insurance?
Reader’s Question:
A friend told me once that Kentucky is a no fault auto insurance state Can you please tell me what that’s all about? Is that beneficial?
Carrie
Bowling Green, KY
First things first. You know how, generally, insurance companies or you yourself can go after the driver at fault to try to recuperate financial damages? Well, with no-fault car insurance, your insurance company will protect you regardless of whose fault the accident was. Yes, even if it was YOUR fault. Hence the phrase “no fault.” So, why doesn’t everyone take out no fault insurance, you may ask. First, it’s because not all states offer this kind of insurance. Your friend is right. Bowling Green, Kentucky is a no fault area because the state of Kentucky is a no fault state. There are only twelve states that have no fault systems, I think. What’s more, in Kentucky, you can actually choose between the traditional type and the no fault type.
Another reason why some people choose tort insurance (traditional) over no fault is because, as with everything, there are two sides to this kind of insurance. Your insurance company will already indemnify you, so your capacity to sue the other driver for damages is therefore limited. One advantage that I can see about no fault is that of faster payments for injuries and the possibility of getting cheaper premiums because the costs of determining who is at fault is done away with. However, others argue that it promotes reckless driving since people are indemnified even if it was they who caused the accident
Penalty For Driving Without Car Insurance in Kentucky?
Reader’s Question:
What is the fine for driving without car insurance in 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.
Gap Auto Insurance in Kentucky?
Reader’s Question:
I need to sell my new car and I can’t afford the payments. I have gap insurance in Kentucky. Will it only help if the vehicle is totaled 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 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 therefore a claim with your Gap insurance company could not be placed.
I Was Convicted In Kentucky For DUI Now Need To File SR22 Insurance
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.
Free Windshield Replacement With Kentucky Auto Insurance?
Reader’s Question:
I would like to know if the state of Kentucky has free windshield replacement coverage on my auto insurance? 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.
Can I Get Car Insurance in Kentucky With Out of State DUI?
Reader’s Question:
If I received a DUI in California can I still obtain a driver’s license and auto insurance 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.
Teen Driver Caught Driving With Out Car Insurance in Kentucky?
Reader’s Question:
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.
Looking For Non Owners Auto in Insurance Kentucky?
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.
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