I am a 25 year old working female who has been charged with DUI. My question is: Why do I need to get an SR-22 insurance policy when I don’t even own a car? I need to save money during these tough times.

Cassy

Louisville, KY

Cassy, an SR-22 insurance policy is needed in Kentucky if you have been convicted with DWI (driving while intoxicated or DUI which stands for driving under the influence), and you want to get your license reinstated. An SR-22 is needed for five years after the earliest offense, and then ten years after a subsequent offense, and then if you obtain a third offense, a full 20 years. I mean seriously, that maybe heaven’s way of telling you that you are not meant to drive. Ever.

But if you still ignore the voices of reason, common sense and logic even if they scream directly at your ear, and you still get a fourth offense, then you have to carry an SR-22 insurance for life. However, statistics show that most DWI violators do not reach the fourth offense. The afterlife is what they reach. But anyway…

If you do not possess your own vehicle, that will not stand in the way of you trashing others’ cars. Ask a car insurance company in your vicinity about a non-owner SR-22 policy, or you can check online for cheap rates. An SR-22 policy will insure that the driver is financially responsible for any accident that will arise even if he or she has shown ruthless behavior on the road. And for the record, bad drivers and cheap insurance policy do not belong in the same sentence. Oops. Well, you get the picture.

What is it they say about drinking and driving? Alcohol and gasoline do not mix. If you’re out to prove otherwise, well, they do mix, but it has a dreadful aftertaste.

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 grade point average does a teen have to maintain here in Kentucky in order to be eligible for auto insurance discounts?

Melissa

Louisville, KY

There is no law in Kentucky that says one must pass a certain grade point average in order to be eligible for driving. However, there is what they call No Pass, No Drive law that is stated under the KRS 186.400 administration law. This law states that participating schools must notify Kentucky’s Transportation Cabinet about minors who abandon school or are academically unsatisfactory. These students may be evaluated and may have their driver’s licenses dismissed if found to be school dropouts.

However, a driver who was given a driver’s permit while still under the age of 18 should take a driver education program. The driver must pass a written test before being subject to further evaluation for unrestricted license eligibility.

If the teen already has a learner’s permit, he must be able to get auto insurance. However, if he gets into trouble before getting his auto insurance and gets his license dismissed, he may have a hard time getting insurance. This is because auto insurance companies need to make sure that the person they are insuring is eligible to drive (with a driver’s license). If he has a dismissed license or drives without any license, chances are the auto insurance company would be paying for a bigger amount and would make them consider the driver as a high-risk.

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.

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.

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.

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.

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.

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.

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.