SR-22 Auto Coverage in Kentucky
SR-22 Auto Insurance in Kentucky
Kentucky auto insurance rules require all motorized vehicles be registered and have liability insurance, as well as basic, no-fault personal injury insurance. In simple terms, liability auto insurance coverage provides protection for damage to persons or property. No-fault coverage pays medical expenses, lost wages, and replacement services if one is injured in an automobile collision no matter who is at fault.
It should be noted that in Kentucky, failure to have auto insurance is a criminal offense. And failure to carry SR-22 auto insurance coverage results in high penalties, and will affect your future rates.
Kentucky SR-22 information
Certain drivers may be required to purchase and keep SR-22 certificates. These certificates are proof of auto insurance as reported by the insuring company. Persons convicted of certain moving violations, such as DUI or reckless driving, will not only need to buy and maintain the proper levels of auto insurance, but they must also have the SR-22 filed on their behalf to the DMV by the auto insurance company.
If the auto insurance itself is allowed to lapse, or if the SR-22 is allowed to lapse, then the company will notify DMV, and the driver will lose his or her license. SR-22's are normally required for a time period of between 1 and 5 years, depending on the offense. Good driving behavior can often result in lowered time periods.
SR-22 auto insurance certificates may only be issued by companies that are licensed to do business in Kentucky. An out -of -state SR-22 will not valid in Kentucky for this reason.