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DUI Laws In Kentucky

Reader’s Question:

I just moved here in Frankfort, Kentucky. There are so many things I don’t know about laws here like DUI laws for one. Can you tell me something about this? It’s not that I’m planning to get drunk and drive. I just wanna help my friend who’s facing that DUI offense right now. Also, how can this affect his auto insurance rates? Thanks!

Robert

Frankfort, KY

I’m sorry to hear that Robert. I hope your friend’s gonna be ok soon.

Going back to your question, DUI laws here in Kentucky are serious. For first time DUI conviction, the fine ranges from $200-$500 plus a minimum jail time of two days which could go up to 30 days. Of course, your license will be suspended from 1 month to 4 months.

Meanwhile, an aggravated DUI will result to a jail time of four days. So what does an aggravated DUI mean? It’s a drunk driving violation that you’ve committed while: over speeding beyond 30 MPH , operating your vehicle in the wrong direction, getting in an accident, driving with a child who is below 12 years of age, refusing to get chemical test, and driving with Blood Alcohol Concentration (BAC) of .18 or above.

Now, a DUI conviction would severely hurt your friend’s auto insurance premiums - it would surely go up. So to help your friend find affordable DUI insurance here are some things I can share:

• Drive less so he can decrease his driving miles and get a discount for that
• Get safety devices for his car.
• Be a member of organizations.
• If he’s driving an expensive vehicle, then it’s time to switch to low risk vehicle.
• Buying another insurance product, (aside from auto) like health insurance from one insurance company

That’s all I can share about DUI laws in Kentucky. I hope you wouldn’t do the same mistake your friend did. Never drink and drive.

Best Vehicle Insurance In Kentucky

Reader’s Question:

In order for me to get the best vehicle insurance here in Kentucky, what are the things that I should avoid doing?

Sameer

Lexington-Fayette, KY

You should avoid doing the following things if you want to get the best vehicle insurance in Kentucky:

Going With the Cheapest Policy
You might think that buying just the minimum level of coverage required would give you the best vehicle insurance. However, if the expenses in an accident are more than what your policy can pay, you would be liable to pay the rest. The other parties involved may go after you and your valuable assets and may take you to court.

Neglecting To Pay Your Bills
There are valid reasons why you may not pay your bill on time but be careful about that because if that happens, your insurer does not have the responsibility to cover you. For your best vehicle insurance, you may set up automatic payment or put your insurance bill on your priority list.

Thinking That Your Valuable Possessions Are Covered
Vehicle insurance policies regulate the amount of coverage the give for certain more valuable things. Such things could already be outside of the domain of your car insurance policy.

Not Updating Your Car Insurance Agent
If you have made an upgrade on your vehicle, you should tell your agent about it. If not, you could be underinsured and the upgrade you have done could not be covered. To make sure you get the best vehicle insurance, you have to review your policy from time to time and make some necessary changes. For sure, your agent could give you the best advice for your best vehicle insurance.

Tags: auto insurance, best vehicle insurance, car insurance agent, vehicle insurance

Cheap High Risk Car Insurance In Kentucky

Reader’s Question:

I heard that my father is looking for cheap high risk car insurance here in Kentucky. Is having bad driving behavior the only factor that considers a person to be a high risk driver?

Jaimee

Fayette, KY

Having bad driving behavior is not the only factor that considers a person to be a high risk driver. There are other things that are being looked at by car insurance companies to classify someone as high risk, including:

Demographics
Car insurance companies consider men to be of higher risk than women; people who live in the city are more of a risk than those who live in the countryside; teen drivers are considered higher risk as compared to adults.

Driving History
Aside from road accidents, speeding tickets and other traffic infractions can cause someone to be considered as high risk.

Credit Record
It may be hard to believe but exhibiting a poor credit record can cause a driver to be of high risk. There have been some studies that link poor credit history to the likelihood of filing more claims. Car insurance providers consider that information as support in charging higher rates.

Lack of Car Insurance Coverage
In case a driver has been found out by an insurer to have been without insurance coverage or has been cancelled by the previous insurer, he/she can be considered to be as high risk.

In order for your father to get cheap high risk car insurance in Kentucky, here are some recommendations:

Change Actions
If your father has bad credit record, has had at-fault accidents and moving violations, he has to tidy it up. It may take time but don’t think that it is impossible to do. A number of insurance companies offer cheap high risk car insurance if a motorist has had excellent driving record for three to five years.

Shop Around
Taking a little time to go online and make a research will pay off in getting cheap high risk car insurance.

Tags: car insurance, car insurance coverage, cheap car insurance, credit history, high risk car insurance

New Car Insurance Kentucky KY

Reader’s Question:

My father has just bought a new car, which is actually his second car in a way that he doesn’t know if he is going to avail a new Car Insurance. Does he need to avail a new one or it can be added to his present car insurance here in Kentucky?

Ryan

Fayette, KY

Car Insurance here in Kentucky is not complicated especially when you buy a new car. You just need to inform your car insurer whether the new car is a replacement of the old one or an additional car and if you are not able to inform them in a desired time you might lose your coverage. Either way, before you do anything else you have to at least read and understand your car insurance policy so that you will be able to know the possibility whether a new car could be included in your policy.

The new car you just bought has a possibility that it is automatically included to your policy but with certain limitations. Usually, an additional car will have the same coverage as the first one that is insured. But if you already have two cars which for example the first one has the Liability Coverage and the second car with Liability, Collision and Comprehensive Coverage and suddenly you have bought another car, the new and third car will automatically have the same coverage with the second car. And if you bought a new car as a replacement for the old car, of course the car insurance coverage that you had from the old one will automatically be passed to the new car.

Tags: auto liability insurance, car, car insurance, collision coverage, comprehensive coverage

Classic Car Insurance Kentucky KY

Reader’s Question:

Is there a separate car insurance policy that I can get here in Kentucky for my classic car or will I just get coverage from a regular car insurance policy?

Harvey

Fayette, KY

A lot of money can be invested on your classic car and this type of vehicle increases in value. So in order for you to protect your classic car, you need to get a special type of auto insurance in Kentucky. This would be the “collector auto insurance” and this one is usually offered in a policy apart from the coverage you have for your everyday car use. No matter which year your classic car was manufactured, getting a special car insurance coverage has conditions that should be followed for your vehicle to be insurance under a classic car insurance coverage.

Majority of car insurance providers want the classic car to be in good condition and be garaged in a completely covered and protected place, Your classic car also needs to be at least 19 years of age and should be mostly used in car shows, club events, etc. Even though intermittent driving is allowed, the classic vehicle should not be used as a main or everyday use vehicle. Also, even as classic car insurance coverage is rather reasonably priced, the protection given would be very exclusive to the vehicle. Another thing you have to be aware about classic car insurance is that most insurers regulate the mileage of the car from 1,000 to 5,000 miles annually.

Tags: car, car insurance, car insurance policy, classic car

Car Insurance Liability Coverage Kentucky KY

Reader’s Question:

I live here in Kentucky and I only have the minimum liability coverage for my car insurance. If I get involved in an accident in another state that needs higher minimum coverage, do I have to pay the remainder?

Malaya

Louisville, KY

If you have the minimum auto liability insurance that Kentucky requires and you get tangled in an auto crash in another state that needs higher minimum liability coverage, your policy would certainly rise to sustain the minimum coverage requirement of that other state. For instance, in Kentucky, the minimum auto liability coverage is 25/50/10 and you get involved in an accident in another state that has higher minimum liability coverage requirement. In this case, your car insurance would stretch without a doubt to meet the other state’s minimum coverage. This increase could be beneficial particularly if you cause a huge total of property damage.

You’re located in a “no-fault” state which means that your insurer should pay for the bodily injury damages regardless who caused the accident. But no-fault states also let their citizens to take legal action against someone from other states following a car crash. For instance, in Kentucky, you’re capability is constraint to sue for damages. You have two options once you are purchasing car insurance — “full tort” or “limited tort.” Limited tort means that you can’t sue another citizen of Kentucky for loses except if you’re gravely injured and your medical bills go beyond a specific minimum total. In this case, insurance costs are lower; however, you give in your right to sue. Although you would have the right to sue whatever the costs of the damages, full tort has higher premiums.

Tags: auto liability insurance, car insurance, car insurance premiums

Car Insurance Claims Kentucky KY

Reader’s Question:

I feel like I made a mistake in fighting my car insurance company here in Kentucky about the cash value of my totaled car. We agreed to have arbitration on this matter; can I bring a lawyer with me?

Samson

Lexington-Fayette, KY

If the discussion with you and your car insurance company in Kentucky about the value of your totaled car does not take you anywhere, you can either go through arbitration or litigation. Arbitration is method for resolving objections that is less of a hassle real court case which is litigation. The decision in arbitration can be non-binding which means that you could make a decision to take the matter to court if you are still not pleased.

A car insurance professional warns that arbitration, even if it is less expensive and time-consuming than a court case, has bigger chances to go in favor of the car insurance provider. You may have difficulty fighting over through arbitration since car insurance providers have more experience in going through with it. Arbitrators constantly deal with insurers and this means that they are not apt to get the insurers steamed. You could definitely take a lawyer with you to arbitration and this can add to the chances of agreeable results for you. However, prior to making a decision on taking the matter up to court, you have to reflect if fighting over to get more money for your totaled car will be worth it.

Tags: car insurance, car insurance claims, car insurance company

Lower Car Insurance Kentucky KY

Reader’s Question:

My parents had just given me a car but they won’t allow me to drive it away from our street. They said that I should get first a Car Insurance and that I should know the things that can lower the Car Insurance I’m going to get. Are there any things that I can do to lower the car insurance I’m going to get here in Kentucky?

Deb

Fayette, KY

Car Insurance is a must to all states in America in which all drivers need to have a Car Insurance with them before driving their car on the road. Buying a Car Insurance is not something that we enjoy paying for it is generally expensive for we sometimes are paying something that is not necessary to us. All drivers in Kentucky should know what they want and what to be covered in their policy.

There are many ways on how to get a lower car insurance rate here in Kentucky, if you have combined at least five means on making your car insurance lower then there is a big possibility that you can get a huge discount. The first thing you should do is to make sure that your car has an anti-theft device which is a simple thing to do for you can actually buy it in cheap price and you can do it by yourself. You should also know if your group or club you joined offers a group Car Insurance in which you can ride on their discounts. And if you have already a Car Insurance at present you have to talk to your Car Insurance agent for some of the things that changed in your life. But then again, the best thing that we can do is to get ourselves out from tickets or -accidents on the road.

Tags: car insurance, cheaper auto insurance

Car Insurance Policy Kentucky KY

Reader’s Question:

I may have taken for granted my car insurance here in Kentucky for quite some time now because just as long as I have it paid bi-annually, I am okay with that. How often do you think I have to review my policy and what are the things that I should look into?

Gerald

Owensboro, KY

Going over your car insurance policy in Kentucky is just like having regular maintenance on your vehicle–it improves its performance, you feel secured and you know that you can depend on it whenever you need it. If you reassess your car insurance policy yearly, you are assured that you have sufficient coverage always even through the changing times. Your car insurance needs are changing the same way your life does. You may go over the Declarations Page of your underwriting because this contains your policy terms, the maximum value of your coverage, who and what are covered.

All of that information needs to be updated once in a while because those may have influence your coverage needs and also the amount of your car insurance rates, even the revision is merely a change of address. For instance, in the event that you are moving from congested city street to silent suburban area, you can save considerably on the amount of collision coverage since a less inhabited region reduces the odds of being involved in an accident. You also have to go over the Insuring Agreement of your car insurance policy. This section of your policy contains events and instances that are not covered by your policy.

Tags: car insurance, car insurance policy

Comprehensive Insurance Coverage Kentucky KY

Reader’s Question:

It just got me thinking that in case I run into some animals and damage my car, will my auto insurance company here in Kentucky cover that for me?

Layne

Louisville, KY

That’s a very interesting question, Layne, and so now you got me thinking also. A set of undomesticated dogs that apparently caused trouble on some vehicles in Australia has Americans questioning if their car insurance will provide coverage is anything akin to that happens to them. Well, according to the Insurance Information Institute or III, if you have comprehensive coverage on your car insurance policy in Kentucky, it will give you protection from contact with animals. Comprehensive insurance coverage gives protection against a lot of risks like acts of God, theft, and even damaged caused by animals.

Comprehensive insurance covers all damages not caused by collision such as fire, contact with animals, windstorm, vandalism, etc. You are not required to have comprehensive insurance coverage because this is completely discretionary. This coverage would pay up to the fair market value of your vehicle if it’s declared a total loss, minus the deductibles that you agreed to pay. However, you might need comprehensive coverage if you have a financed vehicle even though you are not legally mandated to have it.

Tags: auto insurance claims, auto insurance company, comprehensive coverage

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