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.

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.