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- What is a driving record?
- How do I access my driving record in Kentucky?
- Where else can I find my driving record in Kentucky?
- What is on my record?
- How can my driving record affect me?
- What is the difference between driving records in each state?
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A driving record contains a list of all your tickets, accidents, license suspensions, and driving-related experiences. Taken together, your Kentucky driving record is a reflection of your risk profile as a driver. It allows car insurance companies to figure out how likely you are to get into an accident while insured under their policy—and thus, how much to charge you.
You can take a look at your record to understand what the state has collected about you. However, you’ll have to pay for the privilege. In most situations, you can’t erase events from your Kentucky driving record until they expire. The best strategy is to keep your record clean.
The car owner’s super app Jerry has put together this quick guide with everything you need to know about a Kentucky driving record.
What is a driving record?
A driving record is a bit like a report card that only keeps track of your bad grades. It won’t show any of your beautiful parallel parking jobs or excellent stop sign etiquette, unfortunately.
The record is a comprehensive document that includes every publicly available traffic incident under your name, both in-state and out-of-state. This means speeding tickets, parking tickets, license suspensions, DUIs, accidents, and more.
How do I access my driving record in Kentucky?
You can request your three-year DHR (driver history record) online, in person, or by mail in Kentucky.
An online request is the fastest method, and your DHR will be emailed to you within minutes of your request. The fee for an online DHR is $5.50. You can also make your request in person or by mail, for which the fee is $3.00.
If you prefer to obtain a three-year DHR in person, you must visit a Driver Licensing Regional Office. Acceptable forms of payment include money order, cashier’s check, and debit or credit cards. Payment should be made out to the Kentucky State Treasurer. You may not pay for the order with personal checks or cash.
If you prefer to submit your request via mail, you can send payment (via certified cashier’s check or money order) and a completed TC 94-195 Form to:
Kentucky Transportation Cabinet
Division of Driver Licensing
Attn: Driver History Records / Fees Section
200 Mero Street
Frankfort, KY 40622
Note that there is a difference between a three-year DHR and a clearance letter (5-year DHR).
While the cost is the same ($3.00), the clearance letter is a certified copy of a full driving history record and cannot be purchased online. If you need the record for another state or country—like for court use or a bar exam—you need the full five-year record.
Order in person with approved payment and the five-year DHR will be provided in person. Order via mail following the same process as described above.
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Requesting a driving record for someone else
To get a full DHR on someone else in Kentucky, you must have a notarized release from the driver or a subpoena.
Where else can I find my driving record in Kentucky?
Car insurance agents
Car insurance companies generally pull your driving record before quoting you a rate. Ask the agent nicely if they will give you a copy and they might say yes. After all, it is your information and they’re probably eager to impress you so you’ll buy a policy. However, note that agents are under no obligation to provide applicants with copies of their own driving records.
Online third-party vendors
Third-party vendors can usually get a quick copy of your driving record—but it may not be as accurate as the official record. Check if the vendor can procure an official version before you order. If accuracy is important to you, go to your local DMV.
What is on my record?
A three-year Kentucky driving record includes no personal information like address, social security number, or physical description. Here’s what a three-year DHR typically includes:
- Driver status
- License expiration
- Driving restrictions
- Traffic violations
Note that a three-year DHR does not include accident information.
On the other hand, a full driving history record is more comprehensive. This document includes far more information about traffic convictions, administrative notes, commercial driver requirements, and more extensive personal data like your date of birth and zip code.
DMV points in Kentucky
Kentucky uses a point system to help keep track of a driver’s traffic violations. Severe violations are assigned more points, and when a driver reaches a certain threshold, they lose their license. Insurance companies can see how many points are on your record, so it’s in your interest to drive safely.
Here are some traffic violations and the points they’ll cost you in Kentucky.
- Failure to yield = 3 points
- Driving the wrong way on a one-way street = 3 points
- Driving too fast for conditions = 3 points
- Tailgating = 4 points
- Reckless driving = 4 points
- Passing someone improperly = 5 points
- Breaking the speed limit by 16 to 25 MPH = 6 points
Accumulate too many points and you will be summoned to a hearing with the Kentucky Transportation Cabinet. You could have your license suspended or revoked entirely. To get your license back, you may need to pay a fee, submit to a behavioral evaluation, complete a driving course, and comply with restrictions about your driving.
All that aside, a KY traffic ticket is not the end of the world. The points will eventually expire. From the date of your conviction or ticket payment, the points will count against you for two years and stay on your record for five years.
It may be possible to remove points from your driving record. To do this, you must complete an approved Kentucky defensive driving course.
You can attend traffic school once per year in KY and it may even reduce your insurance premium.
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How can my driving record affect me?
The first major impact of a bad driving record is on your access to the road. You could be summoned to court and lose your license. The second major impact is on your car insurance premium. The good news is that a clean driving record can help you just as much as a bad driving record can hurt you.
Your insurance premium
Your rate will skyrocket if you accumulate too many points, and commercial drivers could face additional penalties. Insurance premiums are based on a person’s risk. A lousy driving record is a clear indicator for a company that you are likely to get into another accident. However, a clean driving record can unlock some of the cheapest insurance rates.
Your ability to drive
If you get enough points on your driving record, the Kentucky Transportation Cabinet will take note. The threshold is 12 points or more for Kentucky drivers 18 and older and seven points for drivers younger than 8.
You will be required to attend a hearing to determine whether you should be allowed to keep your license. The department may offer you probation instead of suspension, depending on your situation and history. Do not miss your hearing! If you do, the KYTC will automatically suspend your license between six months and two years based on the number of times you’ve reached the point threshold.
Your credit rating
Your driving record is not directly tied to your credit score. If you are late making a payment because of a ticket—or you pretend it doesn’t exist—the state will send your bill to a collection agency. This will have a negative impact on your credit score.
Your job prospects
Commercial drivers, delivery drivers, firefighters, police, and other positions can require applicants to be safe drivers. You could be denied employment in one of these fields if you have a spotty driving record.
Key Takeaway Your driving record has a major impact on your wallet and your freedom—so drive safely.
What is the difference between driving records in each state?
Every state keeps a dossier on each driver registered within its borders. If you have a Kentucky driver’s license, Kentucky keeps your record on file.
The DLC (Driver’s License Compact) is an information-sharing agreement between states. It allows states to share data across borders about drivers and their violations. Get a ticket in Ohio or anywhere else out-of-state and it will still end up on your Kentucky record.
Which states don’t share driving records?
There are five states that are excluded from the DLC. They are:
However, they may have alternative methods for sharing information about drivers with other states.
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