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
Driving a Car In Kentucky That is Not Registered To You? Non Owner Insurance
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. Can someone explain the Kentucky auto insurance requirements related to this issue?
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.
Can My Car Be Registered To My Parents and I Pay For Auto Insurance Policy?
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.
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.
Teen Driver Stopped With No Auto Insurance Coverage In Kentucky?
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.
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.
What Grade Point Average Does Teen Driver Need For Car Insurance Discount ?
Reader’s Question:
I have a 16 year old teenage son and I was wondering what grade point average he needs in the state of Kentucky to qualify for a car insurance discount?
Bill
Louisville, KY
I am not aware of that grade point average that someone has to carry in order to be able to have car insurance in KY. What I do know is that KY does have a form of the No Pass, No Drive law in Kentucky though that authorizes the Kentucky Transportation Cabinet to have administration regulations regarding a young or minor driver licensing applicant.
This administration regulation, requires participating schools to inform the Transportation Cabinet if a minor is academically deficient or withdraws from school. Therefore as a 16 or 17 year old and you drop out of a participating school or deemed to be deficient academically, you will lose your driver’s license.
When Do Auto Insurance Rates Go Down For New Drivers?
Reader’s Question:
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.
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.
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