Auto Insurance Increase After DUI

Reader’s Question:

As advised by my DUI lawyer, I understand that my auto insurance here in Kentucky will increase because of my conviction, but can it be cancelled by my insurer as well?

Garry

Fayette, KY

Your DUI lawyer told you the right thing that your auto insurance in Kentucky will increase because of your DUI. As a matter of fact, it can be doubled or even tripled if your auto insurance provider discovers it. You may also probably already be advised by your DUI lawyer that you are now considered as high risk. Because of that risk, your auto insurance premiums will go up. Auto insurance companies will think that if they provide you coverage, they could lose money in the event that you get into accident that causes considerable damage.

Aside from the fact that your auto insurance rates will increase, your insurer can also cancel your existing auto insurance policy if they discover about your DUI conviction. In this case, you have to look for another auto insurance company to provide you coverage, agreeing to your high risk driver status. Your current auto insurance carrier can also decide to continue with the policy and no longer provide coverage once the policy is up for renewal. You may have a difficult time finding another auto insurance company to cover you and it can also be hard to look for a cheap auto insurance policy because of your DUI. With a little bit of hard work, you can still be able to find an insurer willing to cover you with affordable auto insurance rates and you may find that from this Website. So feel free to get free auto insurance quotes from top rated insurers and all you have to do is enter your zip code.

Cheap Student Car Insurance Louisville, Kentucky

Reader’s Question:

Can I really save money if I get a cheap student car insurance in Louisville, Kentucky?

Anthony

Louisville, Kentucky

 

If you’re just leaving your home to study in a university then auto insurance is likely to be the last thing on your mind but yes, a cheap student car insurance can go a long way. If you’re working your way through college or even obtaining student loans, then this is the thing for you. It is a given that insurance for young drivers are pretty expensive so here are some tips to help you save those precious dollars.

There are three levels of coverage. There is the third party coverage which will pay for claims made by other people against you in the event of an accident. It includes payment for injuries or damage done to other persons or their property. Then there is third party fire and theft coverage. This includes third party coverage as well as insurance against fire or theft of your car. Finally there is a comprehensive coverage which has what the other two have and includes payment for damages done to your own car.

If you want a cheap student car insurance in Louisville, Kentucky then I suggest you go with the second coverage. It may be more expensive than third party coverage but it protects you from theft.

If you’re a careful driver, and I mean a very careful driver, then make doubly sure that you eventually apply for a no-claims discount. This discount takes effect when you renew your policy. So make sure to drive within the allowed speed limit and never break the Highway Code.

Another reason that I recommended that second coverage is that the security of your car is a very important issue. The area where you plan to park your car for the night will have an effect on the amount of premium that you will pay. If it will be locked inside a garage or out of roadside for the night, then you will have lower premiums to pay. If this is not possible then be sure to leave it in a well lighted area and no valuables inside so as not to attract any attention to it.

These are just some of the ways that you can get a cheap student car insurance in Louisville, Kentucky. Enjoy college and drive safely.

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.

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 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

Car Accident Insurance Rates Kentucky KY

Reader’s Question:

Let say I get involved in a car accident here in Kentucky, how much can I expect my auto insurance premiums to increase due to this?

Jules

Owensboro, KY

The amount of increase on your auto insurance, as well as how the increase will be applied, depend largely on who your auto insurance carrier is. Generally, speaking you can expect a minimum of 30% increase on your premium there in Kentucky, for being at-fault in an accident, and if the insurance provider exceeds a certain limit of payout amount. Some might see only a 10% increase just by being involved in a car accident or filing a related insurance claim. Some providers might even claim that they have not increased your rates, but have actually removed some discounts you might have had in effect on your policy already to justify the increase in insurance cost. There are even some providers or insurance carriers who will remove your good drivers discount just because you got involved in a car accident.

It is also important to note that you might have to continue paying this increased premium for a minimum of three years (again depending on who you have auto insurance coverage with) until you are able to prove that you have become a safer driver and is able to boast a cleaner driving record. Also, if you get additional violations or file additional claims within this “cleansing” period, you might get additional surcharges towards your premiums that will become incrementally higher as you incur more points against your driving record.

Tags: advice, auto insurance, auto insurance claims, car insurance, car insurance company

At-fault Auto Insurance Kentucky KY

Reader’s Question:

I got involved in a car accident here in Kentucky, and it was determined that the at fault party will be liable to pay us for damages. I was wondering if the other party’s insurance will pay for the repairs on my vehicle.

Iris

Louisville, KY

Unless the other party has inadequate car insurance (or no insurance at all), you shouldn’t have to worry about getting re-reimbursed for damages caused to you. Especially if it was ordered by the judge. The liability coverage clause of the “at fault party” will be the one to cover for all repairs needed to ensure your vehicle’s monetary value is restored to the original amount (minus depreciation costs of the vehicle, but this depends on your insurance policy) prior to the car accident, assuming that the said party’s liability coverage limits are high enough to cover the total costs of damages and repair.

If you determine that the at-fault individual or party’s insurance is inadequate don’t lose hope yet. I suggest you get in touch with your car insurance company and see if you have an Underinsured/ Uninsured Motorists Insurance Clause under your policy there in Kentucky. This kind of policy will pay you the remaining amount needed to restore your vehicle in the event the at-fault’s insurance coverage is inadequate to do so. The other party’s insurance will still have to pay for the repairs and damages and only after its liability coverage has been exhausted will your Underinsured/ Uninsured Motorists Insurance Coverage kick in.

In the event that you don’t have any insurance at all (which is against the law in most states) and the other party’s insurance is unable to pay the rest of the damages your vehicle incurs I’m afraid you will either have to pay for the repairs yourself.

 

Tags: auto insurance claims, auto insurance premium, car insurance company, car insurance discounts

Car Renter Auto Coverage Owensboro Kentucky

Car Renter Auto Coverage Owensboro Kentucky

Reader’s Question:

Would you advise that I get car insurance on my own even if I would just be renting a car for a few months while I get settled here in Owensboro, Kentucky?

Adam

Owensboro, KY

Normally, it would always be to your advantage to try and get automobile insurance for yourself even if you don’t own a vehicle, most rental car insurance are either over-priced or lacking in appropriate insurance coverage. I’d rather suggest you use a dependable mass transportation system, if available, there in Owensboro, Kentucky, but it really depends on your circumstances. If you do see yourself renting a vehicle for at least six-months or will be borrowing someone else’s car for an extended period of time, it will be a smart move to get your own insurance in the form of a Non-owners Car Insurance policy.

Rental car insurance usually cost anywhere from $10 to $25 a day, and that’s on top of what you have to pay for in renting the vehicle on a daily basis. So spread that costs over a six-month period it can be very substantial and it may prove cost effective to get proper insurance on your own. In the event that you would need to borrow a vehicle from someone in the future, it will look very responsible in your end that you have insurance coverage even if you don’t have your own vehicle yet.

Keep in mind though that a Non-Owner’s Auto Insurance coverage is not the same as a regular car insurance policy. Comprehensive coverage for those instances when a car is damaged or destroyed due to non-car crash related events, might not be available, as well as towing reimbursement services.

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

Next Page »