How Long Does DUI Charge Stay On Kentucky Driving Record
Reader’s Question:
How long does a DUI remain on my driving record in Louisville, Kentucky?
Helen
Louisville, KY
Your driver’s license record is maintained by the Transportation Cabinet, Division of Driver Licensing. This agency keeps record of all traffic violations, suspensions, accidents, reinstatement, and assignments to traffic school. If you have any questions regarding your driving record, you may contact them directly.
According to the Kentucky’s driver’s manual convictions of violations stay a part of your driver’s record for a period of 5 years for an operator’s license and 10 years for a commercial driver’s license. It does not say specifically driving under the influence offense here though so you may want to contact the KY Transportation Cabinet to check if this violation is also on your driving record for five years or more.
The penalties for the first DUI offense in Louisville, Kentucky may include:
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$200 – 500 Fine
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90 Day Alcohol or Substance Abuse Program
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30 to 120 Day License Suspension
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2 to 30 Days in Jail
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Possible 48 Hours – 30 Days Community Labor
DUI High Risk Car Insurance Company In Idaho
Reader’s Question:
My cousin had been convicted of DUI and because of that he’s paying so much on his premium. He said he is considered a high risk driver by his car insurance company. I’m a new driver and there are a lot of things I don’t know about car insurance. How does one become a high risk driver in Idaho?
Chad
Nampa, ID
In general, when a person has been convicted of serious traffic offenses such as Driving under Influence (DUI), auto insurance companies considered them as high risk to be insured.
Being a high risk driver depends mainly on your driving record. So let’s say you’ve been involved in several vehicular accidents, particularly if that resulted to significant liability against you, then you are considered as someone that is risky to be insured. Getting several speeding tickets, will also make one a high risk driver. But being convicted of DUI like what happened to your cousin is the worst nightmare that could happen to any drivers. When my brother was caught drunk driving in Nampa, ID, he was fined of not more than $1000 and his license was suspended for 180 days.
Although, I’ve mentioned that being a high risk driver is dependent on your driving history, having a fancy sports car make you a high risk driver too. Also, having a poor credit history, gender (males are considered to be risky to be insured as compared to females), age, (teenagers are high risk driver as compared to adult drivers) and place of residence (living in an urban area is less safe than in rural areas) are also some of the factors that makes one a high risk driver
There are some factors that you cannot control that makes one a high risk driver. But one of the things you can do not to be tagged as one is to make sure you drive safely. Maintaining a clean driving record will surely make you get lower premiums. It’s one great way of saving money and saving your life also.
19 Year Old Driver Auto Insurance – Will My Rates Increase?
Reader’s Question:
I recently got into an accident while I was driving for school. Should I report this accident to my insurance company? Will he be covered by my insurance? How will that affect my insurance rate? I am 19 years old.
Carl
Las Vegas, NV
Yes.
You should report all accidents to your insurance company, including this one. In most cases, anyone using your car with your permission is covered by your insurance. Your insurance will pay just as if you were the driver. Though in some states, some insurance companies might limit the coverage. Avoid putting your insurance company at a disadvantage in case other people involved in the accident would sue by reporting all accidents, regardless of who is driving your car.
Your insurance should not be affected if you are not at fault in that accident. But if you were at fault, or if you got a ticket for a serious violation such as drunk driving, your rates would certainly increase when you renew your policy. When you get a ticket or get into an accident, you are categorized into a higher risk group of people who have recently been in an accident. It takes you out of the accident-free group that you are supposed to be in before that accident. So better drive safe next time to cut down on insurance costs.
SR22 Car Insurance – Can I Insure a Commercial Vehicle?
Reader question:
I live in Kansas, and I wanted it to know if it’s likely that my employer will still cover me with commercial car insurance while I’m doing business, even though I have an SR22 form for drunk driving?
Nick
That’s a great question, Nick.
First of all, I find it very unlikely that you would even be able to be hired by a job for which you are required to do any more than a completely negligible amount of driving for a good, long time after you were required to file your first SR22 form after a drunk driving conviction. The most common number that I could throw out is ten years, although in many cases a company that requires driving will not hire you ever again after you have been convicted for drunk driving, especially, for example, a trucking job. There is already a big problem with the lack of safety among commercial vehicles on the roads, so employers are more cautious, at least in this area.
Secondly, as to whether or not your employer will insure you if you have an SR22 form filed, I really doubt it. It is possible that this could happen, but it would be entirely the decision of your boss or whoever is in charge of this aspect of your job. If your employer allows you to drive for business reasons under their own vehicle insurance policy, then they are taking on a substantial amount of risk. This could result in a rise in vehicle insurance premiums in the company, and could thus cause problems with your employment.
I would suggest that if you do find yourself in this situation, the best option for you, and most likely the only option that you have available, is for you to go and get a non owners car insurance policy. These types of policies are widely available, cheaper than normal, and will cover any car that you drive but do not own. It would be the perfect option for driving for business reasons if you have an SR22 form, or even if you don’t and your employer simply does not provide insurance.
Cheers,
Fashun Guadarrama.
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