Posts Tagged ‘driving’
Thursday, September 2nd, 2010
Have you been pulled over and received a speeding ticket? Then rest assured there are ways you can fight speeding tickets, without a lawyer.
Gather evidence: When fighting speeding tickets, ask the traffic court to see the official documents, like calibration records for either the radar gun or speedometer used to clock your car. File a discovery request with the prosecutor so you can always examine documents in advance for flaws. But note that if you subpoena documents, you’ll remind the officer of the incident, which may prompt him/her to show up in court.
Beat the beam: When you fight speeding tickets, note that speed-measuring devices such as radar and laser (a.k.a. LIDAR, or Light Detecting and Ranging) are subject to human error. In some instances, officers have failed to give sufficient proof of proper LIDAR positioning, and subsequently the cases were dismissed.
Everybody has heard of cases of all kinds being dismissed because of a technicality. And this does happen. Certain things have to be done correctly for a speeding ticket to be valid. If for instance the officers badge number or signature is illegible you may a valid point to have your speeding ticket dismissed.
You want to keep brief your report of your side of the argument to the judge when you go to traffic court to fight speeding tickets. Remember that the judge has very limited time for each individual in traffic court. Use visual aids to help your argument such as a photo of an obscured sign by a tree or bush.
You can sometime fight speeding tickets and win by default. If for instance the officer doesn’t show up in traffic court, and if the court prosecutor asks for a continuance then you should object to this. The ticket should be thrown out if the officer does not have a valid reason for missing traffic court.
Obviously not getting a speeding ticket in the first place is the best way to fight it! Speeding tickets and other traffic violations can increase your car insurance for years to come.
Want to find out more about how to fight speeding tickets? Then visit Steven Swihart’s site for all things traffic violation related, and learn the in’s and out’s of the traffic court system.
Tags: auto insurance quotes, Automobile Insurance, driving, family, law, law enforcement, speeding tickets
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Thursday, September 2nd, 2010
There are two main differences between traffic violations. Knowing which kind you have can be very important when determining how to handle your particular situation.
Sometimes if your ticket is not a serious one that gets reported to your auto insurance company, you may be better off just paying the fine and not challenging it in court.
The two main types of traffic tickets are either moving or non moving violations. Non moving violations usually involve smaller fines and can be a parking ticket or some kind of fix it ticket.
Plus, as a bonus they do not show up on your driving record, which means your auto insurance company won’t find out about them.
Some common non-moving violations include: improper registration, failure to use seatbelt, broken taillights, no license plate, no license lamps, and improper parking.
In most cases these should just be paid. It can be a big hassle to go to traffic court for these kinds of violations. The reason is the fines for these are usually no more than $50 or so, and you could end up being in traffic court for hours. Not worth it in my judgment.
However, if you feel you were unjustly ticketed for any reason, you should always make an attempt to try and resolve the matter in some way. For instance, a broken tail light ticket can usually be beat by showing a recent receipt that you have fixed the tail light.
A moving violation on the other hand, is any violation of the law, committed by the driver of a vehicle, while it is in motion. The term “motion” distinguishes it from ‘non-moving’ violations. While parking tickets are charged against a vehicle (which will be towed if violations go unpaid or are frequent), moving violations are charged against the person driving. Moving violations are usually classified as infractions or misdemeanors, but serious violations can be considered felonies.
Moving violations normally involve the payment of fines, and also having points assessed against the driving record of the driver. As points are accumulated more severe punishment can be ordered such as having to take defensive driving courses up to having your drivers license suspended.
You may think we have it bad in the US, and we do, because traffic fines can go all the way up to $500 and more. But in some countries around the world, traffic can be set according to an individuals income, and in some rare cases be more than $100,000!
More common moving violations can include speeding (THE most common), failure to secure a load, failure to yield right of way, violating high occupancy vehicle lanes, or not stopping for a pedestrian.
Some of the more serious types of moving violations can include racing, driving under the influence, and vehicular homicide.
Also, traffic violations can either be criminal or civil. They both come with fines and points on your record, but a criminal violation is the only one that can get you jail time.
The sentence imposed in a criminal case is an obligation that a person has towards the “state” for violation of law; that is, it is a punishment for the act that was committed. The ’state’ could be a local township, municipality, city, county, state or the federal government. These are moving violations to avoid at all costs, obviously.
Want to find out more about moving violations? Then visit Steven Swihart’s site on how to choose the best traffic defense for your individual needs.
Tags: auto insurance quotes, Automobile Insurance, driving, family, law, law enforcement, speeding tickets
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Wednesday, September 1st, 2010
Over the years I have heard of some pretty awful defense strategies people use to try and get out of a traffic ticket. You cant blame them though. A lot of these individuals were simply relying on so called insider information they heard from a friend.
Below I have listed the top five mistakes you can make when fighting your traffic ticket. I hope you too will see the futility in them and refrain from using these worthless defenses.
Mistake #1- Delaying the Court Trial
The rationale for this, some say, is that the longer you can delay traffic court for your traffic ticket, the likelier the chance the police officer won’t show up at your court date.
Simply delaying your traffic court trial will not increase your chances of beating your traffic ticket.
The question I’ve always had was if you do put off your court date, what do you do when he still shows up?
This may be a little known fact, but police officers get overtime pay to be in traffic court.
Mistake #2- Requesting evidence before traffic court.
Don’t get me wrong, you have the legal right to view everything they plan on using to convict you. Its called discovery, and is useful before a murder trial. But this is traffic court and it can hurt your case.
If you file a motion for discovery this tells the prosecution that you intend to plan a defense. In almost every case the prosecutor will make sure his case is airtight so you have virtually no chance of winning.
Don’t give the prosecution a heads up that you know anything about traffic court proceedings. Do not contact them prior to your traffic court date.
Mistake #3- Doing a lot of needless research
Who likes to spend their free time at the courthouse researching boring piles of books pertaining to law? Trust me, there is no need in doing this.
Only rarely would it be prudent to look up a law so you know how it may be worded, other than that it is needless to do this with most traffic tickets.
Mistake #4- Going after the police officers credibility
If you go to traffic court with the idea you are going to attack the officers credibility, don’t waste your time. You can forget getting your traffic ticket dismissed. Saying the officer didn’t use the equipment properly, or that he singled you out or any number of other excuses are useless.
Challenging the officers training of a radar gun will always draw scrutiny from the judge. He will take the officers side and will insist you ask the next question.
The officer will NOT have to prove his training qualifications in the courtroom. Let’s face it, the officer has been properly trained and knows how to work the radar/laser gun. No question about it. If you try and go this route you will be disappointed when the judge asks you to provide evidence supporting your claim.
Mistake #5- Showing up to traffic court unprepared.
Probably the mistake most people make is thinking they did a good job doing their homework prior to their day in traffic court, and actually didn’t have a clue as to what they were doing to get prepared. So they lose their case and end up being convicted of the traffic ticket.
Those who did no research go to traffic court with the notion that they can just tell their side of the story and the judge will see things their way and dismiss their traffic ticket. Yeah right!
Its understandable that it can be nerve wracking showing up to traffic court. Just remember you aren’t on trial for your life, its just a traffic ticket. Traffic court is designed to be user friendly because of the volume of people going through there daily.
If you avoid these 5 mistakes you will have a better chance of claiming your victory in traffic court, and hopefully getting that traffic ticket thrown out.
Want to find out more about traffic tickets, and how to beat them? Then visit Steven Swihart’s site for the the best advice and information on traffic violations.
Tags: auto insurance quotes, Automobile Insurance, driving, family, law, law enforcement, speeding tickets
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Wednesday, September 1st, 2010
One thing all of the 50 United States have in common is speed traps. These are places where law enforcement have made a reputation for handing out an unusually large number of traffic tickets.
The most common areas for these hidden speed traps would be streets where the posted speed limit is not easily seen, or areas of fluctuating speed limits. It’s very easy to catch unsuspecting drivers ‘breaking the law’ in these particular areas.
They also exist in small cities or towns near major highways or interstates, where road travelers are not likely to return if they get a traffic ticket. Law enforcement can also render radar detectors useless by setting up on long stretches of road where they can time a car between points with a stop watch to determine the rate of speed. This way drivers cant be alerted by a radar signal.
The way they do this is by knowing how long it takes to drive the distance between the two points they have chosen doing the posted speed limit. Once they have that information its a simple mathematical formula to gauge your speed. If you were speeding they will radio the speed, make, model and color of your car to an officer waiting down the road. That officer will pull you over and serve the citation.
The legality of the whole thing has been debated for years. Politicians and police officers alike have always supported controversial means to ticket drivers by preaching to us that it ’saves lives’. We all know the real reason is to greatly increase revenue.
The bottom line is that these deceptive methods of giving out tickets is unethical and illegal. Using speed traps is literally a billion dollar industry in America.
Next time you go on a long trip, do a little research ahead of time to find out where likely speed traps might be along your route. As they say, an ounce of prevention is worth many hundreds of dollars in cure by avoiding speeding tickets.
If you want to find out more about speed traps, then visit Steven Swihart’s site for the best information on how to beat your traffic tickets and other traffic court defenses.
Tags: auto insurance quotes, Automobile Insurance, driving, family, law, law enforcement, speed traps, speeding tickets
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Monday, August 30th, 2010
Most motorists fully realize the importance of having adequate auto insurance – it’s a legal requirement, as nicely as being a sensible precaution. However, most of us do not pay out any much more attention to it than we need to; because of this a lot of motorists really do not have inexpensive vehicle insurance plan and pay as well very much for their premium. The web has made the process of comparing automobile insurance policy prices and policies effortless and some time invested buying close to can potentially let you to take pleasure in decrease costs.
The amount and type of coverage you sign up for can have a large distinction about the total quantity of your car insurance policy plan. Specifically crucial could be the insurance deductible quantity – the quantity of money a driver is accountable for, prior to the insurance firm pays up, in the event of an accident. Having a increased insurance deductible, the cost of one’s monthly payments will probably be lower.
Vehicle insurance agencies present different discounts, although they are not often keen to volunteer that info and it always pays to ask. Start off with your tcurrent auto insurance company; in the event you haven’t made any claims for some time and use a secure driving record, it’s actually worth asking to determine it it is possible to get some less costly car insurance coverage, especially if you haven’t made such a demand for some time.
Most vehicle insurance firms have other special discounts they are able to offer; these can include membership in specific professional organizations, anti-theft and safety features inside your automobile plus a discount for lower mileage. A lot of retired drivers are pleasantly shocked to discover that they gain from more affordable car insurance, merely because they aren’t driving as much.
It may be challenging to locate inexpensive automobile insurance for teenage motorists – teens needless to say don’t have a record of secure driving and are thought to be ‘high risk’ by automobile insurance companies – hence the large premium. Nonetheless, you will find certain things that you can do to come across low cost vehicle insurance coverage – enrolling your teenager in a defensive driving class and adding them on to your current policy can both help to lower expenses. Even making sure that they sustain excellent grades can make a difference – many vehicle agencies consider a pupil having a grade ‘B’ average to be lower risk.
Finally, for low-cost auto insurance, bundle your policies together. For those who have two or more cars, multi-vehicle insurance coverage can frequently save you up to 25 %. And for those who have homeowners insurance as well, take out both your car and home owners plan with the exact same firm.
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Tags: auto insurance, auto insurance quotes, Automobiles, automotive, business, Car Insurance, cars, drivers, driving, finance, insurance, money, new car, save money, vehicles
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Wednesday, August 4th, 2010
Most motorists entirely understand the significance of having adequate car insurance coverage – it’s actually a legal requirement, as well as a sensible precaution. Nevertheless, most of us really do not pay any more attention to it than we need to; as a result many motorists do not have cheap automobile insurance coverage and spend too much for their premium. The internet has made the course of action of comparing automobile insurance costs and policies simple and some time spent in shopping around can potentially enable you to take pleasure in decreased prices.
The sum and sort of coverage you sign up for can have a large difference on the total sum of one’s car insurance. Particularly crucial will be the deductible quantity – the sum of money a driver is responsible for, prior to the insurance company pays up, in the event of an accident. Having a increased deductible, the charge of your monthly payments will probably be reduced.
Automobile insurance organizations offer different discount rates, despite the fact that they aren’t generally keen to volunteer that information it generally pays to ask. Begin with your current auto insurance firm; in case you haven’t made any claims for a while and have a very secure driving report, it’s worth asking to see if you are able to get some less expensive car insurance, particularly in the event you haven’t made such a request for some time.
Most auto insurance organizations have other discount rates they may be able to provide; these can include membership in selected expert organizations, anti-theft and safety functions with your car along with a discount for low mileage. A lot of retired drivers are pleasantly shocked to discover that they gain from more affordable automobile insurance, merely since they aren’t driving as significantly.
It can be tough to find cheap vehicle insurance plans for teenage drivers – teens naturally really do not have a report of secure driving and are regarded ‘high risk’ by the auto insurance policy organizations – hence the higher premium. However, there are certain items that it is possible to do to find low-cost vehicle insurance – enrolling your teenager in a safe driving class and adding them on to your existing policy can both assist to lower expenses. Even ensuring that they keep very good grades can make a big difference – numerous car companies look at a student who has a grade ‘B’ typical to be a decreased threat.
As a final point, for inexpensive automobile insurance coverage, bundle your policies together. For those who have two or a lot more autos, multi-vehicle insurance coverage can usually save you as much as 25 %. And if you have homeowner’s insurance coverage as well, sign up for both your vehicle and homeowners plan with the same company.
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Tags: auto insurance, auto insurance quotes, Automobiles, automotive, business, Car Insurance, cars, drivers, driving, finance, insurance, money, new car, save money, vehicles
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Tuesday, August 3rd, 2010
In different states, different insurance companies operate in different ways. However, in certain specific situations, all of the states operate in the same manner. One of these situations is the coverage made available to what are called high-risk drivers, a category that includes people with multiple serious infractions as well as others who have been convicted of drunk driving, variously called Driving While Intoxicated (DWI) or Driving Under the Influence (DUI). Because many insurance companies will cancel policies of such drivers, states require the ones who wish to continue driving (legally) to buy financial responsibility insurance. These are called SR22 policies.
As opposed to normal car policies that can cover everything including roadside assistance and towing, SR22 policies are basic, no-frills liability insurance. You can determine the precise regulations where you live by contacting your state DMV, and how to go about getting the coverage. Not all insurance companies sell SR22 policies, but there are typically a number of them doing so in every state.
Improving your record
If you have ever been cited for driving under the influence (drugs or alcohol), driving without insurance, or driving without a license or with a suspended one, you may be declined by mainstream insurers. If, for any reason, you become uninsurable to most insurers, states have established these financial responsibility insurance laws so that you can legally drive. In fact, in some situations you may need to obtain SR22 coverage to get your license back after a suspension, in order to show that you are prepared to resume driving in a legal manner.
Even if you have had serious problems with driving, including DUI convictions, America is famous as a land of second chances. If you return to responsible behavior, get your SR22 coverage and resume driving in a consistently safe manner (and get no more tickets), this can work to your advantage and, over time, lower your insurance costs. States and insurers around the country operate somewhat differently in these matters, but clearly it is in your best interest to change your driving habits and behaviors. Your new, clean record is the best evidence that you are doing so.
Getting the facts
You can contact the DMV directly or, if you have an insurance agent, he or she can make an inquiry for you. It may be that you were told to look into SR22 insurance by the court because of excessive tickets, accidents or other driving-related problems. Sometimes the DMV itself, depending on the state you live in, will even mail you a notice that you are required to obtain the financial responsibility coverage. In some cases, the news will be somewhat of a shock when your insurance company drops you and sends a letter to that effect. Of course, you should have seen it coming if you were having ongoing driving problems but, still, it can be quite a wakeup call to find out that you cannot legally drive anymore.
If your insurer drops you, or if you have been driving without car insurance, you can also deal with the problem directly and seek out auto insurance companies that offer SR-22 coverage. Some companies may charge an extra fee for filing it, so make sure you ask about this. Remember that this coverage is under the oversight of state insurance commissioners and companies that offer it have to follow some specific procedures. In certain cases, you may even have difficulty getting an SR-22 filed if you have a particularly low credit score, although there are always ways to get coverage for all but the very worst offenders.
Bottom line
If you are required to get SR22, do not get depressed about it, just get with a new program and make a determined effort to improve your driving record. Once you are insured with an SR22, stay out of driving trouble and every year you have no tickets, accidents or other problems, you will make progress toward normalizing your record. After a sufficient amount of time (which depends on your unique situation, insurer and state) you will begin to pay less in premiums. As long as you stay on the straight and narrow, so to speak, you will regain full privileges as a driver.
Shop around, of course, but be prepared to pay more for insurance while getting just basic coverage. The main thing that states want to make sure of is that you will not drive uninsured and cause damage that others have to pay for. The fact that you will get this coverage, and keep it while driving legally and without getting any tickets or having any accidents, is proof in and of itself that you made the responsible decision. You decided to get back on the (right) road with an SR22 policy, and you made the right choice.
Most states require an SR22 for major convictions such as a DUI or DWI, driving while license suspended or revoked and at fault accidents without insurance to name a few. Visit Southeast Insurance Agency for your next sr22 car insurance quote today.
Tags: alcohol, auto, auto insurance, auto insurance quotes, driving, DUI, finance, insurance, sr22
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Saturday, July 31st, 2010
With gas costs constantly on the rise, car insurance is one area in which we can save some cash. Many of us pay more than we need to just because we don’t take time to seek out the best deals. If you want to find cheap auto insurance quotes, then here our top five tips.
1) How Often You Drive and The Type of Car You Drive
Car insurance is usually more expensive if you own a newer vehicle with technology that would be more expensive to replace. However, depending on your coverage, you can help to reduce costs with safety devices such as anti-theft car alarms.
No matter what type of car you have, how often you drive it will also have an impact on how much your policy costs. The reason you use your vehicle will also play a role, but if you do tend to drive it infrequently then this is definitely something you should tell your insurance company.
2) Get Only the Coverage You Need
Naturally, the more comprehensive your insurance package, the more it’s going to cost you. Make sure that you opt for the coverage that you need, but if you really need cheap auto insurance quotes then avoid add-ons that cost more. Another option is simply to pay a higher deductible, but think carefully about this and about what you will actually be able to afford if you did need to make a claim.
3) Choose Car Insurance for Women
This isn’t an option if you’re male, but if you’re a woman then choosing insurance aimed specifically at females could save you money. Statistics show that women make fewer claims, so it’s worth checking whether you can get a better deal this way.
4) Prove Your Experience
Experience means a lot when it comes to finding cheap auto insurance quotes: showing that you’re less likely to have an accident. If you haven’t made any claims in the last few years make sure to find an insurance company who will reward you for that. If you’re a new driver then take an extra driving course when you’ve passed to reduce your costs significantly.
5) Do Your Research and Compare
Every insurer is different, and one that offers the best deal for women, for example, might not be the same as one that offers the best deals for newer drivers. Find a comparison website that covers your state and you can make the task of researching and comparing far quicker than it would have been otherwise.
Getting cheap auto insurance quotes is never guaranteed – there are simply too many factors at play. But, if you do your research and compare as many policies as possible, you’re sure to make significant savings.
Are you finding it difficult to come across cheap auto insurance quotes? If you want to save time and effort, take a look at Affordable Auto Insurance which has done the hard work and comparison for you.
Tags: auto, auto insurance quotes, Car Insurance, driving, education, finance, insurance, money, shopping
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Friday, July 23rd, 2010
Some drivers have the misfortune of landing on the wrong side of the law and having their driving license suspended. In order to be able to legally have their license reinstated after a period of time, some states require that the driver first has to obtain a SR22 auto insurance policy. This is a precaution to protect other road users from high-risk drivers who have poor driving records.
What Is SR22 Auto Insurance Policy?
An SR22 is not an insurance policy on its own. It is merely a certificate issued by an insurance company that states while the person is a high risk they are still insurable. This certificate is then linked to an insurance policy which is designed specifically for high-risk drivers. Insurance companies will generally only issue the SR22 certificates to their policy holders which is why it is often simply referred to as a SR22 auto insurance policy. If you have a poor driving record where your license has been suspended and you try to obtain auto insurance without a SR22 certificate, you will find the insurance premiums will be exorbitant. In addition, many insurance companies may simply refuse to insure you because of your bad track record.
Reasons Why You May Be Classified as a High-Risk Driver
The most common reason that drivers are cited as being high risk is as a result of being arrested for driving recklessly or under the influence of drugs or alcohol. Reckless driving may include speeding or driving overly aggressively in traffic in a way that is a danger to other road users. Other reasons that drivers may be arrested could be for driving while having a suspended license. These cases are usually looked upon with some seriousness as the drivers often already have bad driving records. Drunk driving in particular is a serious offense that can lead to not only to having your license suspended but also imprisonment. For some offenses that are less serious, offenders may be able to have their driving licenses reinstated after a period of time. This is usually based on the condition that they can get SR22 auto insurance.
Finding the Best SR22 Auto Insurance Policy
Remember when shopping around for an SR22 policy, you need to prepare yourself to pay premium rates. Insurance companies will always charge high-risk people higher insurance premiums because the likelihood of a claim is very high. You cannot compare rates with standard insurance policies so be aware of this when asking for quotes. Know that the insurance company is likely to do background checks on you to verify the facts of your case so it is wise to be upfront and honest about your situation. Contact several companies or use a broker to get comparative quotes. The SR22 certificate is usually for a limited time period until such time as you prove you are a lower risk driver. When getting quotes, find out what happens to the policy when the SR22 certificate runs its course. Most companies will then lower your premiums accordingly. Depending on your risk profile, some insurance companies will require that you pay six to 12 months of premiums in advance. This can be difficult for the average salaried person, especially when the insurance premiums that you are going to be paying will be more expensive than most. Once you have a number of quotes, compare the premiums and the value of the policies. Check the fine print and make sure you are familiar with all the terms and conditions before you sign on the bottom line.
The Benefits of a SR22 Auto Insurance Policy
The main benefit is being able to legally drive again and regain a level of independence. If you have been used to having the independence of your own car then you will probably find it very frustrating to have to make use of public transport or rely on the generosity of friends in order to get around. The SR22 auto insurance policy gives you an opportunity to clear your record. By being able to get on the road once again, you can prove to everyone that you are in fact a responsible driver. Perhaps it was a one-time incident that landed you in trouble. This then offers you an opportunity to redeem yourself and your driving reputation so you can once again become a regular road user.
Most states require an SR22 for major convictions such as a DUI or DWI, driving while license suspended or revoked and at fault accidents without insurance to name a few. Visit Southeast Insurance Agency for your next sr22 car insurance quote today.
Tags: alcohol, auto, auto insurance, auto insurance quotes, driving, DUI, finance, insurance
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Sunday, July 11th, 2010
When a motorist has their license suspended or revoked due to high risk actions, such as driving under the influence, reckless driving, failure to carry proper insurance, or automotive accidents, it almost certainly hinders their ability to purchase insurance. Even when a license suspended for these reasons is reinstated, the motorist will often be at a loss to acquire legally mandated auto coverage. Because insurance coverage is a requirement for all drivers, this would seem to leave offenders with only two options: do not drive at all anymore, or take the illegal and extremely dangerous risk of driving without insurance. Fortunately, there is a third, more sensible option available via an SR22 Insurance Form.
“SR22″ is not a specific insurance plan, but rather the name of the certificate used by the insurer to file the motorist’s policy with the state.
SR22 Requirements
Requirements vary from state to state. In general, it entails coverage that provides the minimum required amount of insurance for a motorist to drive in that state. It is important to remember that this insurance is required regardless of whether or not the motorist actually owns or operates a vehicle.
Depending on the specific details of each motorist’s situation, there are three different kinds of SR22 certificates that can be filed. The first of these forms is an operator’s certificate. An operator’s certificate pertains to insurance that covers a licensed motorist when operating a vehicle that they do not own. This certificate is a legal requirement for motorists who have had their license reinstated but do not own a vehicle. Second is an owner’s certificate, required for reinstated motorists who own an automobile. Lastly, reinstated motorists who both own a vehicle and operate vehicles owned by others require an operators-owners certificate.
SR22 Coverage
So what will an DUI certified insurance policy cover for a reinstated driver? Although there are differences between different states and policies, it would generally extend to liability and property damage in an accident involving the reinstated motorist. However, it is important to note that in many cases this coverage only applies to covering the costs of the other motorist who may be involved in an accident with the reinstated motorist. The policies most significant function is in offering peace of mind to other motorists in the event they are in a crash caused by or involving the SR22 motorist. However, if the reinstated motorist is not at fault in the accident, or if it is a no-fault accident, the reinstated motorist’s costs are likely to be covered by the policy.
SR22 Costs
DUI Insurance policies tend to be more expensive than non-DUI policies. It is a basic tenet of insurance that a higher risk motorist will be expected to pay a higher fee. However, this does not mean that it is impossible to land a good deal. Although it is costly, it is not too hard to shop around online or by phone to locate the most affordable SR22 plan required by the state. Moreover, because it is tied up in more legal mandates than traditional insurance, it’s always a good idea to contact a broker in order to search out the best possible deal.
What Does It All Mean
At the end of the day, SR22 Insurance amounts to a certification that is appended to an auto insurance policy for the purpose of informing the State Department of Motor Vehicles that a motorist who had been suspended is now correctly reinstated and in total compliance with the state’s minimum insurance requirements. Most cases stem from incidents where a motorist was suspended for failing to carry sufficient insurance, so it is only natural that these policies were put in place to deal with such a dangerous action.
However, as stated above, SR22 can also come into play due to any number of offenses, such as DUI, reckless driving, or any other vehicular activities that are potentially harmful to others.
In the case of a first DUI conviction (or refusal), the motorist is usually required to maintain an DUI policy for five years. That goes double for a second offense, and a third offense doubles the time again for a twenty-year policy. A fourth DUI offense means that the motorist will be required to carry SR22 Insurance for life.
The easiest course of action is to simply steer clear of the offenses that can get your license suspended. But if it’s too late for that, some comparison shopping and diligent research can help you find the most affordable SR22 Insurance possible.
Most states require an SR22 for major convictions such as a DUI or DWI, driving while license suspended or revoked and at fault accidents without insurance to name a few. Visit Southeast Insurance Agency for your next sr22 insurance quote today.
Tags: alcohol, auto, auto insurance, auto insurance quotes, driving, DUI, sr22, sr22 insurance
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