Should I Accept My Auto Insurance Company Settlement Offer?
Reader’s Question:
I’m Gayle from Fayette, KY and had a recent car accident. I want to know what actions must I take after a car accident? Do I need to accept a settlement offer from the insurance company?
Gayle
Fayette, KY
Hi Gayle. Under the Kentucky law (KRS 189.635) you are required to call the police to report the accident if someone is harmed or injured; or one of the cars is rendered inoperable. If no police investigation is made and either the car suffers $500 or more in damage expense you must report the incident to the State Police within 10 days. Next, your car insurance company requires you to report the accident to your insurance company and fill out the appropriate forms.
As for your second question, the answer can be a Yes or a No. Car insurance companies in Fayette, KY are notorious for offering settlements that are far less than the injured party deserves. However, if the car insurance company is offering what you feel the car is worth, then you can accept it. It will also be advantageous if you consult an experienced lawyer that is knowledgeable on car accident laws. By contacting an auto accident injury lawyer you may be able to receive a much larger settlement than the car insurance company has offered.
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.
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 Use My Parents Out of State Auto Insurance in Kentucky?
Reader’s Question:
I currently live with my father in Ohio and have my vehicle insured under his insurance. In a few months I am moving to Kentucky where I will be going to college. Can I stay on my fathers insurance, as that is where my permanent residency is or do I have to obtain my own insurance?
Kathy
Lexington-Fayette, KY
This differ from insurance provider to insurance provider. Most insurance carrier will continue to insure you on your father’s policy if you will be attending school in the same state. Other companies will continue to insure you if you attend school in another state. Some insurance companies will not insure you if you will be attending school in another state. Your father should contact his insurance agent or insurance carrier to determine what their guidelines are.
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.
What is Guest PIP Car Insurance in Kentucky
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.
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.
Can I Add Learner Permit Driver to My Auto Insurance Policy?
Q: Can a person with a learner’s permit be on my auto insurance policy?
A: Anybody can be added to your auto insurance 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 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 car insurance 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.
How Many Traffic Tickets Can I Have Before My Auto Insurance Increases?
Q: How many speeding tickets will it take before my auto insurance premium is affected?
A: It depends both on your position with your 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 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 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.
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