What Happens if You Get Caught With No Car Insurance in Kentucky?
Kentucky requires all drivers to carry liability insurance for personal liability, bodily injury and property damage. Failure to maintain the minimum required insurance can result in fines and criminal penalties. That's why drivers need to carry valid proof of insurance in their vehicles or on their persons at all times.
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Penalties
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Kentucky law allows judges to fine uninsured and underinsured motorists up to $1,000 and place them in jail for up to three months. Naturally, jail time is unlikely for a first offense, particularly if an offender obtains the proper insurance in a timely manner. However, repeat offenders may receive maximum penalties.
Required Presentation
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To avoid legal problems, drivers must present proof of insurance issued by a provider registered with the Kentucky Office of Insurance if stopped by a law enforcement officer or if they are involved in an accident. Additionally, the Kentucky Department of Transportation requires proof of current insurance when issuing or renewing vehicle registration.
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Correction
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Uninsured motorists cited by an officer may be required to present proof of insurance to law enforcement officials or a district court. Those who have difficulty finding an insurer that will accept them or finding insurance at an affordable rate can contact the Kentucky Office of Insurance for a complete list of insurance and government programs that may help.
Liability
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In addition to legal consequences, an uninsured motorist also faces the full liability of any damage they cause in an accident. Should an officer investigating an accident deem an uninsured motorist at-fault or partially at-fault, the motorist can face lawsuits, collections and risks his personal assets.
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References
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