What Is No Fault Auto Insurance?
Reader’s Question:
A friend told me once that Kentucky is a no fault auto insurance state Can you please tell me what that’s all about? Is that beneficial?
Carrie
Bowling Green, KY
First things first. You know how, generally, insurance companies or you yourself can go after the driver at fault to try to recuperate financial damages? Well, with no-fault car insurance, your insurance company will protect you regardless of whose fault the accident was. Yes, even if it was YOUR fault. Hence the phrase “no fault.” So, why doesn’t everyone take out no fault insurance, you may ask. First, it’s because not all states offer this kind of insurance. Your friend is right. Bowling Green, Kentucky is a no fault area because the state of Kentucky is a no fault state. There are only twelve states that have no fault systems, I think. What’s more, in Kentucky, you can actually choose between the traditional type and the no fault type.
Another reason why some people choose tort insurance (traditional) over no fault is because, as with everything, there are two sides to this kind of insurance. Your insurance company will already indemnify you, so your capacity to sue the other driver for damages is therefore limited. One advantage that I can see about no fault is that of faster payments for injuries and the possibility of getting cheaper premiums because the costs of determining who is at fault is done away with. However, others argue that it promotes reckless driving since people are indemnified even if it was they who caused the accident
Penalty For Driving Without Car Insurance in Kentucky?
Reader’s Question:
What is the fine for driving without car insurance in Kentucky?
Collins
Owensboro, KY
Driving without auto insurance in Owensboro and in all areas in Kentucky can be rather severe. For the first offense you are cited, you will be required to go to court and can be fined between $500 up to $1000 or imprisonment for not more than 90 days or both.
Your KY license plates and registration can be suspended for 1 year or until proof of car insurance is presented. You could also lose your drivers license for up to one year. The penalties increase for each subsequent offenses of not having proper proof of car insurance liability.
If you were found driving without auto insurance in the state of Kentucky you may contact the court listed on your ticket for information on the possible penalties you may receive in court. The clerk of the court can likely advise you what the normal fine amount is for a first time violation of driving uninsured in the county in which you were cited.
What is The Penalty For Driving Without License in Kentucky ?
Reader’s Question:
What will be the penalties if a seventeen year old is caught driving without license in Richmond, Kentucky?
John
Richmond, KY
Driving without a license in Richmond Kentucky is a Class B misdemeanor. It is also a Class B misdemeanor for the individual permitting you to operate their vehicle knowing that you are not licensed and thus he or she could also be charge and penalized for letting an unlicensed motorist drive their car. A Class B misdemeanor in the state of Kentucky can come with up to ninety days in jail and/or a fine of up to $250.
At seventeen one is still a minor and a serious violation such as driving without a license may cause a delay in you being able to get your driver’s license. You would need to verify with the KY Transportation Cabinet to know how this offense could affect your licensing process.
What Grade Point Average Does Teen Driver Need For Car Insurance Discount ?
Reader’s Question:
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.
Will Out of State Speeding Ticket Affect Car Insurance in Kentucky?
Reader’s Question:
My daughter received a speeding ticket in Indiana and I am licensed in the Owensboro Kentucky. I would like to know if the state of Kentucky will be able to know about this? Will this affect her car insurance rate?
Jenny
Owensboro, KY
Kentucky and Indiana are both part of the Drivers License Compact which requires member states to report any offenses for other traffic violations back to the home state in which the individual was issued their license. Therefore the IN Bureau of Motor Vehicles or the court should notify the Transportation Cabinet of the speeding violation you received from a different state.
According to the Kentucky driver’s manual the Division of Driver Licensing keeps a record of all traffic violations on each driver licensed in KY. These driving records are based on traffic convictions reports, payment of fine, forfeiture of bail, with or without court appearances, which are forwarded to the Division of Driver Licensing by the courts throughout the US.
Your daughter may contact her auto insurance company to find out if this speeding ticket will increase her auto insurance rate.
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.
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.
Teen Driver Caught Driving With Out Car Insurance in Kentucky?
Reader’s Question:
Im 18 years old and I was pulled over and was caught driving without auto insurance. What will happen to me? I live in Kentucky.
Bill
Lexington-Fayette, KY
According to the State of Kentucky all motorists are required to carry liability coverage in the amounts of 25/50/10.These numbers stand for $25,000 total for bodily injury per person up to $50,000 total for bodily injury coverage per accident and $10,000 total for property damage per accident.
The penalties for operating a vehicle without Kentucky car insurance can be severe. For the first offense you are cited to go to court and can be fined between $500 – $1000 or be imprisoned for not more than 90 days or both.
Your KY motor vehicle registration and license plates can be suspended or revoked for 1 year or until proof of motor vehicle insurance is provided. You could also lose your license for up to 1 year. The penalties increase for each subsequent infraction of not having proper proof of car insurance.
Is Kentucky Auto Insurance Program Offering SR22 Insurance?
Q: What is the Kentucky Auto Insurance Program, and can I get my DUI SR22 through it?
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.
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