A third DUI offense in Kentucky results in penalties including a fine of $500 to $1,000, 30 days to 12 months in jail, not less than 10 days and no more than 12 months of community service, 24 to 36 months of license revocation, and one year of mandatory alcohol and drug treatment and assessment. How much insurance policies you need depends, mainly, on your age. Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. Health insurance can be of immense benefit in the hours of need. Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. You should also visit to your state insurance departments website. The offender must serve a mandatory 120 days of a jail sentence that may be from one year to five years in length. The odds of eventually using car insurance, homeowners insurance, health insurance, and even life insurance are greater than eventually using long term care insurance. As an example my home state of Missouri shows the following - Missouri 25/50/10. PIP, in the event of an accident, pays for the medical expenses and other assorted damages incurred by the insurance holder and their passengers (or if the insurance holder is an injured pedestrian). The offender must serve a mandatory 120 days of a jail sentence that may be from one year to five years in length. However, if a person is little vigilant he can always gain the pleasure of a health insurance policy at affordable rates. Some of these elements are required by all states whilst others are not required. The prosecutor will try to show that you were impaired by discussing your appearance, the odor of alcohol on your breath or clothes, the way you were driving at the time of the arrest, and any other relevant information. Personal injury protection, sometimes known as Medical Payment Insurance or Medpay, is a no-fault insurance policies for a couple of reasons. If you reside in a state that requires personal injury protection you will need to know the minimum amount of cover you must have because this has already been decided for you. For small groups the employer group policies are quite often subject to different rules. You can also be charged with driving under the influence if you take a chemical test that reveals that your BAC level exceeds the legal Kentucky limit of 0.08%. If the offender was driving 30 miles per hour or more over the speed limit, operating a vehicle going the wrong direction on a limited access highway, operating a motor vehicle that caused death or serious injuries, had a blood alcohol level of .18% or greater, refused to submit to chemical testing, or had a child under the age of 12 in the vehicle while driving under the influence, this doubles the mandatory minimum jail time for the offender. Second offenses result in harsher penalties including $350-$500 in fines, $200 in service fees, seven days to six months in jail, not less than 10 days and no more than six months of community service, one year of alcohol and drug assessment and treatment, and 12 to 18 months of license suspension. A third DUI offense in Kentucky results in penalties including a fine of $500 to $1,000, 30 days to 12 months in jail, not less than 10 days and no more than 12 months of community service, 24 to 36 months of license revocation, and one year of mandatory alcohol and drug treatment and assessment. Bodily injury and personal property insurance are required by all U.S. It is almost always an unbelievably expensive item with respect to the family budget. At many places such as Texas, those individuals who do not get coverage anywhere else are covered under the high-risk pool. You should also visit to your state insurance departments website. The criminal penalties associated with driving under the influence in Kentucky become more severe with each offense a person accumulates. A fourth DUI offense is a class D felony in Kentucky. As an example my home state of Missouri shows the following - Missouri 25/50/10. As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. In this case, you would be prosecuted based on being impaired at the time of your arrest. Many elements of an auto insurance policy that could be optional are cover for the uninsured motorist and personal injury protection. No one wants to have to rely on the assistance of others just to get out of bed in the morning, get dressed, use the restroom, and make breakfast. Kentucky DUI law makes it possible to be charged in one of two ways for drunk driving. It brings requisite money at your doorstep when you are impotent to earn and meet your medical and other expenses.