Kentucky SR22 Insurance
- Kentucky SR22
- Minimum Liability Insurance Requirements
- Suspended License Information and Requirements
- Kentucky DUI Law
- Ignition Interlock Device
Kentucky SR22
An SR-22 is a form that is attached to your auto insurance policy providing the state with proof of insurance continually. In most cases you will be required to maintain the SR-22 for three years from the end of your suspension period. Here is a list of possible reasons you need to file an SR22 with the state:
- Driving under the influence of alcohol and/or drugs (DUI)
- Habitual offender (multiple traffic violations within a period of time)
- Involved in an accident with serious injury or death resulted
- Accumulation of points on driving record - 12 points in two years
How do I get an SR-22 form?
The SR-22 is a form the insurance company completes for the state motor vehicle department. If you currently have auto insurance be sure to have your case information ready to provide to your company such as the case number. If you are not currently insured or want to compare rates of other companies try our online service that will provide you will up to 5 quotes from competing companies. Once the company has all the information about your case they will electronically submit the SR-22 form to the state so you don't have to mail it in.
Kentucky Liability Insurance Requirements
The state of Kentucky requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:
- $25k Per Person Bodily Injury
- $50k Per Accident Bodily Injury
- $10k Property Damage
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
Kentucky now accepts electronic proof of insurance during traffic stops.
Suspended License Information and Requirements
License suspension and revocation information is shared with all 50 states. You cannot issue a driver's license if you have an active suspension. There is no notification when the suspension has ended as that information is on the letter you receive when action is first taken. In order to reinstate your license know your eligibility date and specific reinstatement requirements. This information can be found on the letter or from the information at the court hearing.
Court ordered suspensions require a clearance from the court while other suspensions may require an SR-22. You may be asked to take a written and/or road skills test. Reinstatement fees vary so be sure to ask the state office. If all requirements have been met to reinstate except paying the fees you can reinstate online.
Driving Under the Influence (DUI) in Kentucky
First Time Offenders
A driver with no prior DUI in the past 5 years is considered a first time offender. The following are penalties associated with a first time DUI:
- Fines ranging from $200 to $500
- Required to attend a substance abuse program for 90 days
- License is revoked for 30 to 120 days
- Jail time from 2 to 30 days
There are situations that increase your jail time to 4 days such as speeding more than 30 mph over the limit or BAC greater than .17%.
Implied Consent Law
When you are given your driver's license you agree to consent to a chemical test of your blood, breath or urine by a law officer that assumes you having been driving under the influence. If you refuse the test your license will be suspended for 6 months and up to 5 years. The officer involved is required to advise the driver of the penalties for refusing the chemical test.
Required to get an Ignition Interlock Device?
Here is a list of approved ignition interlock device vendors:
- Alcohol Sensors International, Ltd - (888) 854-1922
- Consumer Safety Technology, Inc - (877) 777-5020
- Draeger Safety Diagnostics, Inc - (800) 332-6858
- LifeSafer Interlock, Inc - (800) 531-0006
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Where do I get cheap SR22 insurance?
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