Getting pulled over without insurance in Kentucky is a serious offense with significant consequences. Here’s what you need to know:
Immediate Penalties
Fines: You can face fines ranging from $500 to $1,000.
Vehicle Impoundment: Your vehicle may be impounded on the spot.
License Suspension: Your driver’s license can be suspended for up to one year.
Long-Term Consequences
SR-22 Requirement: You'll need to file an SR-22 form, proving you have insurance, for three years.
Higher Premiums: Expect your insurance premiums to increase significantly.
Legal Issues: If you're involved in an accident without insurance, you could face lawsuits and be held personally liable for damages.
What To Do If You’re Caught Without Insurance
Stay Calm and Compliant: Cooperate with the officer and provide the necessary documents.
Get Insurance Immediately: Purchase a policy as soon as possible to mitigate further penalties.
Consult an Attorney: Legal advice can help navigate the consequences and explore options for minimizing fines and penalties.
Preventing the Issue
Maintain Continuous Coverage: Always keep your insurance active and renew it on time.
Set Reminders: Use reminders to ensure you never miss a payment or renewal date.
Review Your Policy: Regularly review your insurance policy to ensure it meets the state's requirements.
At Mory & Colliersmith, PLLC, we understand the complexities and challenges of navigating traffic violations and insurance laws. If you find yourself facing penalties for driving without insurance, contact us at (502) 212-4333 or visit morycolliersmith.com for a consultation. We're here to help you through every step of the legal process.
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