SR-22 Insurance in Kentucky
Motorists do not pay SR-22 rates in Kentucky for their insurance as Kentucky is a mandatory insurance state. Thus, instead of SR22, all vehicles registered in the state must maintain adequate liability coverage as a condition of operating a vehicle in the state. An SR22 form is not an insurance policy, but rather a certificate that vouches that a driver has insurance coverage.
Most states require SR22 insurance from problem traffic offenders such as those with a DUI or drivers convicted of reckless driving. Below is more information on SR22, and although it may not be required in Kentucky, it could apply to your situation should you decide to relocate.
What is Kentucky SR22 insurance?
There are no Kentucky SR22 requirements as the Legislature has a mandatory insurance requirement that applies to all drivers. While requirements for SR22 does not exist, drivers who move to another state should be aware of the SR22 requirements for that state.
SR22 is a type of coverage drivers add to their existing insurance policy. Many states require the form of drivers whom the state considers habitual offenders. For example, motorists with multiple DUI convictions or drivers with excessive moving violations. If you are moving to a state that requires SR22 insurance, below is more information on why this type of coverage is so important.
Who needs SR22 insurance in Kentucky?
No agency determines who needs SR22 insurance in Kentucky as it is not a requirement for operating a vehicle in the state. It is only required in states that impose an SR22 restriction on drivers for certain traffic violations. Most states determine who needs SR22 insurance based on reasons such as:
- DUI convictions
- Driving without insurance
- Driving with a suspended license
- Leaving the scene of an accident
States that do mandate the policy require drivers to maintain the plan for a minimum period. The length of time varies between states but lasts anywhere from one year up to 36 months. At no point may drivers allow their coverage to lapse. If a motorist allows the SR22 insurance to lapse, they may face additional fines and penalties.
Reinstating Driving Privileges With SR22 in Kentucky
Drivers do not need Kentucky SR22 to restore driving privileges as the state Legislature does not require it. States that do require SR22 may impose a fee at the end of the restriction period. Some states may allow drivers to request a hearing to dispute the restriction.
How to Get SR22 Insurance in Kentucky
Most insurance agencies do not provide SR22 insurance quotes but rather a quote for basic liability insurance. Instead of SR22, Kentucky drivers must purchase a policy with $25,000 for all claims and damages for one person in an accident. The plan must also include a $50,000 coverage for injury or damages sustained by all persons. In states with the SR22 insurance requirement, may find it difficult to locate suitable coverage.
Many insurance companies consider SR22 drivers to be high-risk. As such, they may not offer the coverage, or they may charge a premium for it. Drivers may find that the rates are much higher than standard liability rates, and thus they should shop around until they locate a policy that suits their needs. For more information on how to get SR22 insurance in another state, drivers should speak with an insurance agent in that state.
Penalties for Not Filing an SR22 Form in Kentucky
Kentucky SR22 insurance penalties do not apply for vehicles registered in the state. The states that do require an SR22 form may impose additional fees on drivers who fail to obtain it. Further, many states automatically suspend the driver license of a driver to fails to get the insurance or allows the policy to lapse.