A: The Kentucky Auto Insurance Program is a program for people who have trouble finding a company which will sell them insurance, in many cases SR22 insurance. People who can’t find insurance can join the assigned risk pool by filling out an application, and the AIP will then give their application to a participating company. All car insurance companies who are license to sell insurance policies by the state of Kentucky are required to participate in the Auto Insurance Program.

You can get any kind of SR22 coverage through the AIP, but the prices will be higher, so you should only submit an application there if you cannot get insured otherwise. In order to qualify to join the AIP pool, you have to have been rejected by an insurance company within two months of your application, and be able to provide proof that you have been rejected, so you have no choice but to do some shopping around first.

Since you are getting SR22 insurance, remember that there are some time constraints. If you apply to join the AIP pool, it takes about 15 days for you to actually get insured.