Auto Insurance: MA to KY Laws

RickRoss

New Member
13
I recently moved to KY from MA.

In MA, I had an incident in a winter snow storm where my vehicle skidded off the road, was damaged, claim filed, and my insurer issued repair payments. I appealed all surcharges, won the appeal, the decision was overturned, I received surcharge points and extra charges in premium credited back to my account. Claim was closed.

In KY, I'm looking to convert my auto policy. All the quotes I'm receiving are at least 2x or more than what I'm currently paying in premium. I was told that KY doesn't care about the ruling in MA, and the fact that the incident shows on my record means they automatically assume I'm at fault and factor that into the quote.

I was also told rates are higher here than MA, but this 1 incident is a major contributor to the increased premium. I have 2 questions:

1.) If I submit documentation to KY Dept. Motor Vehicles, will they take this off my record?

2.) Am I able to stay insured under my MA policy while living in KY? The insurer has my current address.

THANKS!
 
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