My daughter lives in Atlanta GA, He had a Kentucky driver’s license but she has lost it. She had an accident and had let her insurance lapse. What kind of penalties she will be facing?

Arthur

Atlanta, GA

It will depend what all your daughter was cited for as to what penalties she will face. If she was found to be driving uninsured and without a license and was at-fault in an accident her penalties might be harsh.

In Kentucky, for a first violation of driving uninsured you must go to court and be imprisoned for not more than ninety days and can be fined between $500 to $1000 or both. Your Kentucky license plates and motor vehicle registration can be suspended for 1 year or until proof of auto insurance is presented. You also could lose your drivers license for up to 1 year.

To verify for sure what penalties she will be facing, if your daughter was cited for the above violations, she can call the court listed on her ticket and also check with the GA Department of Motor Vehicles.

A: An SR22 is a form which your auto insurance company will file with the department of motor vehicles and serves as proof that you are insured. It must be filed for a period of three years after your license suspension so long as you want your license back. If you don’t want your license, you don’t have to worry about it, but otherwise it’s the law. If you need your license, but don’t own a car, then instead you will have to file an non owner SR22 policy.

Your Atlanta non owner SR22 policy only applies to cars you do not own, so if you decide to go ahead and buy your own car, it won’t work for you and you’ll have to get another kind of policy. However, beyond that, your non owner insurance will cover you for any car you drive, regardless of whether or not that car is itself insured.

However, your Atlanta non owner SR22 policy only works for liability coverage and nothing more.