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:
-
$200 – 500 Fine
-
90 Day Alcohol or Substance Abuse Program
-
30 to 120 Day License Suspension
-
2 to 30 Days in Jail
-
Possible 48 Hours – 30 Days Community Labor
Can You Get a Teacher Discount For Car Insurance?
Reader question:
I drive a lot because I am a theater teacher and I haul my students around to view plays, to the Renaissance Fair, to perform and all that. Is there some way that I can make my car insurance rates lower?
Margie
Glad you asked, Margie.
Before I get into the meat of the question that is most specific to you, I want to inform you of several other discounts that you might be abler to get for your discount car insurance policy. First of all, do you have a pretty good driving record? IF you don’t have any traffic violations in the last three years, most car insurance companies will give you better ratings for that. What about your car? Does it have various safety devices and anti theft devices installed? Anti theft and safety measures can also get you discounts. Obviously you wouldn’t qualify for the low mileage discount, but if you are a teacher of mathematics then you could probably get a good discount from 21st century, which gives fifteen to twenty percent off for people who have degrees in mathematics, engineering, and the like.
However, as a teacher you have a more specific discount available to you if you belong to a teacher’s union such as the National Education Association, or NEA. Granted the discount that you usually get on a one car auto insurance policy doesn’t reach far enough to cover the actual fees for being a member of the union, but there are plenty of other perks of being in the union that will probably make up for it, and when you have more than one car on your policy the real saving start.
There are some requirements, usually. You have to be either a full time college professor, or you have to be a teacher with state certification. If you meet all of the requirements, your car insurance discount could be as much as thirty percent.
Cheers,
Fashun Guadarrama.
Why Does My Car Insurance Policy Show As Non Renewal?
Reader’s question:
What are the reasons for which an auto insurance company can not renew your policy?
Lily
Good question.
Non renewal is very different from cancellation in that it is much less serious. However, you don’t want to take your chances, and having your car insurance policy not renewed can still have a negative effect. Here are some reasons why it happens.
- The person who uses the car that it covered is not able to be covered by the company for a number of reasons.
- The person who uses the car that is covered is not able to drive it well for reasons of their mental or physical health, such as an elderly person who is almost blind.
There are many other reasons why a car insurance company might not renew your policy. Some are negative, such as that you have had too many moving traffic violations. Others might have nothing to do with you, such as that the car insurance company doesn’t do business in your area anymore.
Cheers,
Fashun Guadarrama.
Are You Looking For Cheap Florida Car Insurance?
Florida has two kinds of laws when it comes to car insurance. First there is the financial responsibility law, and then there is the no fault car insurance law. What the financial responsibility law does is that it requires you to have coverage for your vehicle if you get into an accident in which you are at fault, so that the other car can be covered by your insurance policy. The limits are lower than for other states, with a 10/20/10 policy required rather than the amounts of other states which tend to be several thousand dollars more. If your license is suspended, you have too many traffic violations, you get into a car accident, or you are caught driving drunk, then you will need to prove financial responsibility.
If one of those above things happens and you aren’t insured in Florida, then you will have your license revoked for a period of three years. The only way to avoid this is to get Florida car insurance before the suspension of your license. It’s possible to get it very soon afterwards, but then you will have to pay a couple hundred dollars to get your license backed. Once you are with a car insurance company, they will have to file an SR 22 form in order to prove that you are insured with them, and SR 22 insurance tends to cost more than other types.
Florida is not new with its policy of having car insurance companies tell the DMV whenever they sell a new policy or when another one isn’t renewed. The DMV is informed that your car insurance policy is either canceled or not renewed, then you wil be required to prove that you have insurance or turn in your license plates. If you don’t do either of those, you’re looking at a license suspension of three years, yet again. No fault car insurance comes with its own requirements for coverage, and those are $10,000 PIP (personal injury protection) and $10,000 PDL (property damage liability). Unlike the minimum under the financial responsibility law, these amounts apply to you and your vehicle. This simplifies the claims process by keeping you with your own car insurance company.
Every time you lapse in your car insurance, the amount that you’ll have to pay to keep it goes up. The first time it’s one hundred and fifty, the second it’s two hundred, and the third it’s a whole five hundred dollars. Even if you don’t live in Florida for the whole year, so long as your car is there for three months (which don’t need to be all together), you have to be insured. One of the exceptions is if you use your car entirely for business, such as if you ar a taxi driver. If this is the case with you, then you don’t have to have insurance. However, if you get into a car accident while you are not insured, then after that you will be required to have SR 22 car insurance, which is more expensive.
Cheers,
Fashun Guadarrama.
Loading ...