My Car Caught On Fire and My Auto Insurance is Claim Was Denied?
Reader’s Question:
I have full coverage on my car in Kentucky and a few weeks ago my car was caught on fire however when the claims adjuster checked my vehicle in a few days he said that all of my aftermarket parts such as amplifier, CD, etc. made hot leads to the battery and that is where the fire originated which was according to the fire department so the claim will be denied?
James
Louisville, KY
Insurance carriers in Louisville, Kentucky vary on their guidelines with regards to aftermarket parts or the customizing of automobiles. Usually your auto insurance carrier would need to be informed about the performance parts beforehand for these to be covered under your car insurance policy. Most insurance providers want to do an endorsement for these non-factory parts to be covered under your car insurance policy.
You will have to speak to your car claims adjuster regarding the custom parts to check if those will be covered.If you have the receipts, it will be useful if your car insurance carrier will permit your car insurance claim. Keep in mind to always let your insurance carrier be informed about any addition to your car so you will be sure your car insurance policy will cover these parts.
You can always shop around for auto insurance company in Kentucky that will permit customized parts and get auto insurance quote for your vehicle.
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.
Supended Drivers License – Need To File SR22 in Kentucky?
Reader’s Question:
My license got suspended due to DUI in Louisville, Kentucky. I am quite humiliated by this and I am not sure how to go about SR22 filing in KY.
Macy
Louisville, KY
Getting a DUI is not the end of the world, Macy.
You always have options to get your driver’s license back, like filing an SR22 in Louisville, Kentucky. Under Kentucky law, if you had your license suspended due to DUI, reckless driving, too many tickets, or other violations, you need to provide an SR-22 to get your license back. There are companies online that can get you an SR22 quickly and easily. You will be surprised that in just a few minutes, you’ll be on the road to driving again.
You can get get free confidential SR22 quotes online through websites like this one without any obligations. All you need to do is to simple plug in your zip code on the relevant space above. As these companies want to put you back in the driver’s seat today, it would not matter to them why your license was suspended. They do not judge you why you got ticket for DUI, reckless driving, accidents or any reason at all. All these SR22 insurance companies care about is helping you get your license back. These companies know that your privacy is important and will never sell your information.
In fact, there are many SR22 insurance services in Louisville, Kentucky that are truly dedicated to serving you. Choose one that is a highly specialized provider of SR22 insurance in your area. Get from companies that offer you the lowest rate on SR22 filing.
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.
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