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QuestionInsurance Question  My son lives in GA, had a KY driver's license but has lost it. He had an accident and had let his insurance lapse. What kind of penalties is he facing?

AnswerAuto Insurance Answer

It will depend what all your son was cited for as to what penalties he will face. If he was found to be driving without insurance and without a license and was at-fault in an accident his penalties might be severe.

In Kentucky, for a first offense of driving without insurance you must go to court and can be fined between $500 to $1000 or be imprisoned for not more than 90 days or both. Your KY motor vehicle registration and license plates can be suspended for one year or until proof of insurance is provided. You also could lose your license for up to a year.

In Georgia, you must apply for a Georgia driver's license within 30 days of moving to the State which it sounds like he was unable to do so because of losing his Kentucky license. If by losing his license you are referring to it being suspended or revoked in KY than driving in Georgia or anywhere else is illegal for him since he does not have a valid license.

Georgia Code 40-9-8 states that any person whose driver's license or nonresident's operating privilege has been suspended and who, during such suspension, drives any motor vehicle upon any highway, shall be guilty of a misdemeanor and, upon conviction thereof, shall be punished by imprisonment for not less than five days nor more than six months and there may be imposed in addition thereto a fine of not more than $500.00.

If he received a citation for driving without insurance at the scene of the accident, the penalty in Georgia is typically a 60 to 90 day suspension of their license plus fines and conditions. Also his vehicle may be impounded.

Since he was involved in an accident, GA might also make him carry SR-22 or SR-22A, a financial responsibility insurance certificate if he wants to obtain a license at any point. Also he will probably have a judgment placed against him to pay for the damages he caused to the other party and will not be able to get a license or register a car until that is paid or at has started a payment plan.

To find out for certain what penalties he will be facing, if your son was cited for the above offenses, he can call the court listed on his citations and also check with the Georgia Department of Motor Vehicles.

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