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General Insurance

How far back can I be charged for forced coverage?

It depends on the terms of your loan contract. In most cases at any point of time the vehicle was not insured they will force their own coverage on the vehicle and add it to your loan.

General Insurance

Can an insurance agent ask a driver if they have a disability if they think it may have contributed to a car accident?

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

Car Insurance Costs
Coverage & Claims

If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year (page 58 of the report).

Car Insurance Costs

Why do some jobs get insurance discounts and others don't?

Insurance companies analyze a lot of information to better forecast risk (customers). This basically means that they try to determine how likely it is that a person will file a claim and charge that customer accordingly.

Coverage & Claims

Will my insurance company pay me directly for a claim?

Unless your vehicle was totaled, the insurance company normally pays the repair facility directly after you pay your collision deductible. You would have to speak with them about making other arrangements for the claim payout.

General Insurance

Do I have to insure both of my cars if I only drive one of them?

Like most states, Kentucky requires that any vehicle registered in the state must be insured. In fact, Kentucky maintains a database of all registered vehicles in the state and electronically monitors the insurance status of those vehicles.

Driving History

Can a ticket older than 3 years still hurt your rate?

Once the ticket passes 3 years, then your insurance company should no longer be charging you for the incident. If that specific ticket is why you're being charged a higher rate, then I would recommend shopping around for a company that will accurately price your coverage.
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