Can I get auto insurance coverage without a driver’s license?

That really depends on which state you live in. Most states require that you have a valid driver’s license in order to get car insurance. In states where there are no laws about this it is up to the individual auto insurance company. You might find a few companies that will allow you to get immediate coverage but require that you get a driver’s license within a certain amount of time. If you do not get a license in this time period, your auto insurance coverage will be cancelled.

If you have a vehicle that needs insurance, but you cannot get a license any time soon you could check with a company to see if another driver could insure your car for you. It is always best that you have a driver’s license when purchasing auto insurance, but there are a few different options available to you if you don’t. Just do your research and check with a few different companies.

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What is PIP insurance coverage?

PIP stands for personal injury protection. Usually pip insurance coverage covers the hospital, medical and funeral expenses of the insured driver, passengers injured in his/her vehicle, and any pedestrians that are hit by him. The amount of coverage provided depends on the specified amounts stated in the car insurance policy.

Personal injury protection insurance is sometimes referred to as no fault insurance because the driver can use their PIP insurance policy no matter who is at fault in an accident. PIP insurance coverage is not available in all states, and coverages and limits also vary by state.

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What is the penalty for getting a DUI in Kentucky? This is my first offense.

The penalties for a first offense DUI conviction in Kentucky include:

· 2-30 days in jail

· $200-$500 fine

· 30-120 day driver’s license suspension

· Possible 48 hours – 30 days community service (this can be applied for in lieu of paying a fine and/or jail time)

· 90 day alcohol abuse program

If this is your second or third offense, you could face much harsher penalties. You should contact the Kentucky Transportation Cabinet if you have any specific questions about your DUI penalties or driver’s license suspension.

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I live in Virginia, and I got a DUI. How long am I required to carry SR-22 insurance for?

In the state of Virginia you are required to carry SR22 insurance for a period of 3 years from the effective date of your suspension. If you have had SR 22 insurance for 3 years you should contact the Virginia Department of Motor Vehicles to find out if you are no longer required to maintain the SR22 filing.

If you are looking for cheap SR-22 insurance make sure you do your research and compare quotes from multiple insurance companies to ensure that you find the best rate possible. Also, make sure you compare quotes once a year before you renew your policy to make sure you are not overpaying for your SR22 insurance policy.

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I was convicted of a DUI, and I am trying to get my driver’s license reinstated. How long do I need SR-22 insurance for in Vermont?

Vermont state law requires that you maintain SR22 insurance for a period of 3 years in order to have your driver’s license reinstated after getting a DUI. If you let your insurance lapse during your 3 year SR-22 filing period, your driver’s license will be suspended again, and you will have to start your filing period all over again. The SR-22 filing period starts the day your driver’s license is reinstated, not the day you get the DUI or when you become eligible for reinstatement.

Depending on the severity of your DUI offense (first, second, third+) the length of your SR22 filing period could vary, so it is important that you contact the Vermont DMV to find out exactly how long you need to carry SR 22 insurance. Make sure you compare quotes from a few different SR-22 insurance providers before you decide which one to go with or you could end up overpaying.

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I am a 15 year old boy, and I cannot wait to get my driver’s license. What will happen if I get caught driving without a license in Kentucky?

It is never a good idea to drive without a valid driver’s license, especially if you are not even old enough to drive legally.  In Kentucky it is a Class B misdemeanor to drive without a driver’s license.  If someone allows you to drive to drive their car and knows that you do not have a driver’s license, they will also be found guilty of a Class B misdemeanor.  The punishment for a Class B misdemeanor in Kentucky is a fine of up to $250 and/or up to 90 days in jail.

Since you are a minor, getting caught without a driver’s license can prevent you from getting your driver’s license when you are 16.  If you get in to an accident, the insurance on the car you are driving will probably not cover you, and you could face thousands of dollars in damages.  Driving without a license is a very serious offense, so it’s best to wait until you are legally allowed to drive.

I just bought a hybrid Honda Civic.  Will a hybrid vehicle lower my auto insurance premium?

There are a few insurance companies in some states that will give you a discount for insuring a hybrid vehicle.  Most companies might not though because insurance is based on risk and the value of the car.  Just because a car is a hybrid doesn’t mean that the replacement parts due to an accident are any cheaper than a regular car, so your auto insurance company has no real benefit for giving you a discount on your hybrid car.

Either way, I would recommend getting quotes from 3-5 different insurance companies to see if any of them will give any better rate for your hybrid vehicle.  The more companies you research, the better chance you will have of finding the cheapest rate possible.

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My teenage son got a DUI last month, and I have been told that I need to file an SR22. What exactly is an SR22 for teens and how much does it cost?

An SR22 is a certificate that you file with your insurance company and local DMV that proves that you have the state required minimum amount of insurance coverage.  You are required to file an SR22 for your teenager in order to have his driver’s license reinstated after getting a DUI.  The SR22 filing mandates that your auto insurance company notify the DMV immediately if there is any lapse in your SR22 insurance policy.

Teen SR22 insurance can be pretty expensive because your son is considered a high risk driver. There are a few things you can do to make this cost more bearable though.  The key is finding the right kind of car for your son, something that is economical and has adequate safety features. Stay away from luxury cars and sports cars because the auto insurance on those types of cars is outrageous. Also, check with your insurance company to see if they offer any student discounts.

Shop for quotes online and try to do as much research as possible to find the best SR22 rate for your son.  If you are interested in comparing quotes online for free, check out the site below:

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