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Dealing With A DUI Charge According To Auto Insurance Laws

If you are a driver and you love to drink, you may have been charged with a DUI and if not, you may have heard or known someone who has. If this has never happened to you then you are lucky but just because you`ve had a lucky streak does not mean that you should repeat the misdemeanor. However, some people may have been arrested on a drunken driving charge when they were young. Auto Insurance Laws in the United States are very clear in stating that the events culminating to your arrest states whether your charge will be a felony or a misdemeanor. A DUI charge can take many forms and has different levels of indictment. For this reason, once charged with the offence, it is advisable to get yourself a lawyer who is well versed in dealing with such cases. Auto Insurance Laws are very strict on DUIs and lawyers to deal with such cases do not come cheap. The expense of the court case is one among the many expenses that a DUI offender has to deal with.

To know more on dealing with DUI and DUI offences according to Auto Insurance Laws, enter your area Zip at the start of this page.Once you cause an accident due to your drunken driving that caused a fatality or permanent injury, you will be haunted for the rest of your life. These are among the consequences that the DUI convict deals with personally, regret. In essence, a DUI accident has consequences to the drunken driver, the victim and the victim’s loved ones. Living with such psychological torture can have far reaching consequences and have in some cases pushed the individual to depression or even further into alcoholism. In addition to this, DUI and DWI convictions are heavily frowned upon in society. Therefore, a suspect will not only have to deal with himself and the family of his victim but the society as a whole. Due to the efforts of the private organizations to discourage these crimes, such an individual may find it hard to get a job or even lose or get demoted from the one they already have.

Can You Still Get Car Insurance Quotes After A DUI Conviction?

You have been charged with a DUI offence and convicted and everyone around you has bore the brunt of your crime. If you were incarcerated, your family was affected and you most likely lost your job. Other than that you will have to contend with the costs that come with increased insurance premiums. Other costs like that of reinstating your license or getting an SR-22 policy to cover until the license suspension period expires. There are numerous Car Insurance Quotes on the SR-22 Insurance.

Now that your driving records have been stained, it will be harder for you to get a job. Because of the heavy campaigning by private organizations against DUIs, moving on after being convicted is really a hard task. These private lobby groups have been campaigning for steeper penalties since the 80s. They are people who have been brought together by common tragedies mainly linked to DUI and DWIs.

 Mothers Against Drunk Drivers is one of such organizations. It has been pushing the government for stringent measures and has been successful in many fronts especially in the implementation of the ignition interlocking device. This particular device has gone a long way in controlling repeat offenders and first time offenders alike.

Once convicted of a DUI, it does not mean that you will be unable to get auto insurance. The difference is that you will have to pay high insurance premiums as compared to persons who have not been charged with DUI. This is because the auto insurance firms now view you as an insurance risk. Having a DUI is different from being a young inexperienced driver. A DUI conviction sets you aside and you will most likely pay high premiums than an inexperienced driver who is under 25 years.

In order to stay in business any company will have to reduce expenses and increase revenues. This concept is what is employed by insurance firms. An insurance company will try to have as few high insurance risk clients as possible. In the event that they have a high risk client, the company will charge high premiums to equalize the claims that high risk clients usually have. The positive side to high premiums is that they make the drivers who pay them are extra careful so as not to have any other traffic violations that may increase their premiums further.

In the event that your driver’s license is suspended due to a DUI conviction, you are required to take up an SR-22 cover in order to continue driving. This policy is slightly more expensive than conventional insurance since it is supposed to be a form of punishment for the offender. If you are unable to afford to pay for the SR-22 cover you will have to contend with travelling using public means or hiking a lift from a friend, family member or colleagues. For information on Sr-22 Car insurance Quotes and more enter your Zip at the start of the page.

Auto Insurance Laws :Reasons Why You Need A DUI Lawyer

A DUI arrest is something that may arise from something as easy as taking the last drink or sip of wine that you know is above your limit. Due to your intoxication, you may have failed to see the speed limit signs or unintentionally crossed a red light at an intersection. This dawns on you when you hear a police car’s siren behind you. There is nothing much you can do now but wait to be arraigned in court to answer for your mistakes in judgment. So you contend with the court’s decision and pay the fines and whatever else that come with a DUI offense as far as the Auto Insurance Laws are concerned.

After doing all this, one thing will still remain— a long time reminder in your driving record that you were arrested on a DUI. Such a taint on your driving history means that you will have to contend with high auto insurance premiums for a long time to come. DUI convictions have far reaching consequences that stay with you for a long time. These are among the effects imposed by Auto Insurance Laws put in place to discourage drunken driving. A DUI conviction can easily cost you your job plus add to that a future of high insurance premiums for yourself.

AutoInsuranceFrom frequent lobbying from private groups discouraging DUI, you may be required as part of your conviction to attend AA (Alcoholics Anonymous) meetings or do community service to permanently etch in your mind the gravity of your offence. All these financial and social tolls that you will experience are put in place to serve as a lesson to you as well as to deter other would be offenders on DUI.

The best and most convenient albeit expensive way to go through this is by hiring a DUI Lawyer. Auto Insurance Laws when handled by a qualified DUI attorney can allow you to remove the tarnishes from your driving record and make it seem like they never even occurred. A good DUI attorney can put in a request to the courts on your behest to have your conviction withdrawn from your driving records. Such an Auto Insurance Law is however not available in all states within the United States. States like California will not allow such a plea to go through when you are still in jail or on probation.

The only way to go about this is to wait until the expiry of your sentence or probation before going to court with the plea. What most people prefer is to have a qualified DUI Lawyer on call at all times especially if you have already had the experience before. Such an attorney must be certified in administration of breath tests as well as sobriety testing.

A good attorney can get your DUI conviction removed from your record by proving to the court that society will benefit from having your DUI record erased. However, a DUI Lawyer do not come cheap so however much you may have your DUI record removed you will still have huge legal fees to contend with. To find such an attorney in your area, enter your Zip at the beginning of this page and we will direct you.

Auto Insurance Laws: Know Your Rights And Privileges On Sobriety Checkpoints.

In Auto Insurance Laws, there is a provision for having Sobriety Checkpoints to help in reducing DUIs. The Sobriety Checkpoints are however not compulsory but any officer manning these points must adhere to the law. According to the fourth amendment, each individual has rights when it comes to Sobriety Checkpoints. This means that no officer can search someone’s property without legal mandate or clear reasons. Sobriety Checkpoints are only common in states that have strict laws regarding DUIs. The other states that do not have Sobriety Checkpoints see them as a violation of people’s fourth amendment rights and have thus outlawed them.

The evidence gathered from these Sobriety Checkpoints can be used in a court of law to convict an individual on DUI charges. However the collection of this evidence is a sensitive affair and must not in any way infringe on the fourth amendment rights of the individual. This means that the arresting officer must follow clear set guidelines or otherwise the offender might walk scot free due to a technicality. Qualified DUI attorneys look very keenly on this part of evidence collection and usually file motions to suppress the evidence or have the case thrown out due to illegal search and seizure of the individual’s private property.

For a police officer to make an arrest at a Sobriety Checkpoint, they are required to keenly study the suspect’s behavior as well as run a battery of field tests to support their claim. There are a number of legal requirements that have to be met before setting up Sobriety Checkpoints. There are:

* A court order validating the setting up of a Sobriety Checkpoint

* Sufficient intelligence on why the checkpoint should be set up and where since the location must be safe.

* The police officers stationed at the checkpoint must have legal certification to prove their presence.

* And finally the police officers are required by law to inform the residence of the area that they will be setting up a Sobriety Checkpoint.

Before an officer of the law asks you to stop, he or she must have a valid claim as to why they have requested you to stop. This is because it has been known that some checkpoints are set up to target a specific group of people and that is against the law. Once they stop you on suspicion of DUI, the officers will take you through a number of field tests to test your sobriety status.

The tests could involve walking in a straight line, standing on one leg and many more. Each police car is fitted with a surveillance camera that records all this and can be presented in court as part of the evidence collected. You are well within your rights to decline these tests but this will only result in the immediate suspension of your license before even going to court.

Many people fall culprit to overzealous officers because they do not know their rights and privileges when it comes to a DUI arrest. Enter your Zip at the start of this page to keep yourself in the know as far as DUI arrests are concerned.

Auto Insurance Laws: The Importance Of The Certificate Of Financial Responsibility

As required by Auto Insurance Law, each driver on the road must have an auto insurance cover before driving on the road. In special circumstances, one may have to take up a Certificate of Financial Responsibility cover so as to drive. This cover is meant to show that the driver has the minimum liability insurance cover in the event of an accident. One such cover is the SR-22 insurance policy which has different requirements depending on the state that one is in. It is slightly different from conventional auto insurance but it is usually pegged on the minimum liability insurance requirements of each state.

The SR-22 insurance policy covers physical injury per individual, physical injury per accident and damage to property. This minimum liability policy is meant to cover the damage to persons or property by the driver who is at fault. Any physical or vehicle damage to himself or herself is up to the driver to foot it from their own pocket. There are mainly three kinds of SR-22 insurance policies; these are motor cycle, car, and non-owner insurance policies. The non-owner cover is meant for persons who are driving vehicles that are not registered under their own names. The car could be rented, borrowed, registered under a business name or a commercial vehicle. The car and motor cycle insurance policies are for persons who are driving their own vehicles.

The SR-22 cover is usually taken up when it is demanded of by the court. This in essence means it usually comes up when one has a traffic violation or a DUI that rendered their driver’s license suspended. Since one cannot use their driver’s license and they need to drive this Certificate of Financial Responsibility in terms of the SR-22 cover acts as their proof of insurance in the event that they are stopped by a police officer. The SR-22 policy does not come cheap and that is why it is only meant for times when the individual does not have a driver’s license for whichever reason.

Its premiums are usually higher than conventional auto insurance since it is sort of a punishment resulting in the suspension of the driver’s license. If your driver’s license has been suspended for one year, the SR-22 policy that you take up should be for the period which your license is in suspension. If during this SR-22 filing period the individual commits another traffic offense, the matter is reported to the states DMV office. It is within the state’s DMV prerogative to impose stiffer penalties or to revoke the SR-22 cover if they see fit.

There are numerous auto insurance firms in the US that offer Certificate of Financial Responsibility covers. All one has to put in mind is the minimum liability requirements for their state of residence. SR-22 cover is not only required in the event of a DUI arrest but can be used for many other traffic offences. To get more information on the companies offering SR-22 cover in your area, enter your Zip code at the top of this web page.

Auto Insurance Laws That Governs Underage DUI And DWI

Underage drinking is something that is against the law all over the US. Auto Insurance Laws all over the US state that the minimum drinking age for everyone is 21. This therefore means that anyone below this age found to be drinking is in breach of the law. Anyone below this age is referred to as a minor and if found driving with blood alcohol level of 0.01 percent and above may have their license suspended for a period not exceeding one year. Having your license suspended at such a young age sets a bad precedence as far as Auto Insurance Laws are concerned.

The access of Cheap Car Insurance is heavily dependent on ones driving record and if it is stained while still fresh, you will be paying high insurance premiums for a long time to come.  The penalties and fees levied against such an individual depend on the level of intoxication at the time of the arrest. Auto Insurance Laws are clear when it comes to underage drinking and driving in that one found with a blood alcohol level of above 0.05 percent will be charged with DUI in a court of law.

Such underage drinkers are usually requires on conviction to attend alcohol or drug rehabilitation programs to reduce chances of recidivism. For persons 21 years of age and above, the blood alcohol concentration level limit set for them is 0.08 percent. People above the age of 21 may face suspension of their licenses or harsher penalties including incarceration.

Once convicted of underage drinking, the consequences reverberate to affect someone later in life. However, much this may seem like a onetime event; the conviction is a permanent blemish on ones record and will serve as a constant reminder of one childish mistake made in the past. Most parents may be happy that their teenager finally learned a valuable lesson, forgetting that all that will come after will affect them. The parent eventually has to foot the fines and penalties that come with the underage DUI conviction.

After a DUI conviction what usually follows is an increase in auto insurance premiums. This burden is usually borne by the parents since they are usually the ones paying for the teenager’s auto insurance in the first place. Controlling a teenager is hard work for any parent and it is usually easy to understand their way of thinking.

Once arrested for underage drinking, it is advisable for parents to immediately hire a qualified DUI attorney.  Trying to handle the legal battles that come with a DUI arrest could land you in a bit of a quandary as compared to hiring one. It may cost you some dollars but it is the most advisable way to go. Having a DUI attorney present can stand between an incarceration and an acquittal. There are many qualified DUI attorneys available via the internet all you have to do to get legal advice is to enter your Zip code at the start of this page.

Auto Insurance Laws That Concerns DUI And DWI

Over the years, many accidents have been as a result of drivers driving under the influence in America. The American bureau of statistics has it that accidents caused by drunken drivers are responsible for one person dying every 22 minutes. Such statistics have made Auto Insurance Laws to be very stringent on cases of DUIs and DWIs. Numerous lives have been lost or affected and millions of dollars lost over the years as a result of drivers under the Influence.

As a result, laws all over the United States on Driving Under the Influence have been made tougher and carry very stiff penalties for the perpetrators found guilty. The first law on DUI and DWI was passed in 1910 in New York and was soon followed by the state of California and soon the rest of the states followed making laws on DUI common all over the States. However, not all laws are the same and neither do they carry the same penalties but they do carry the same message which is Driving Under The Influence is outlawed and carries stiff penalties.

From 1910 to around 1930, the law against drunk driving was sort of broad spectrum and did not define clear guidelines on the levels and penalties of DUI. It basically affirmed that no one was allowed to drive when intoxicated. Later in the 30s, the national safety council and the American medical association carried out studies on the effects, causes and possible solutions to Driving Under the Influence. The national safety council carried out research on determining intoxication levels while the American medical association did studies on the major causes of road carnage.

The two institutions later in 1938 combined their findings and came up with a unanimous solution. Their solution was that no driver was to be allowed to drive with a BAC (Blood Alcohol Content) level exceeding 0.15 percent. These findings were entrenched in the Auto Insurance Laws and have been in place ever since. Anyone found driving with an intoxication limit of more than 0.15 percent has since then been charged in a court of law with an offence. However, this limit of 0.015 percent is the highest all over the States since some states have revised the law to set lower limits.

This is because many private organizations have been putting pressure on legislators to tighten the restrictions on drunk driving. One very vocal organization is the Mothers Against Drunk Driving (MADD) which was the first to champion for stiffer laws against drunk drivers. In order to ascertain a drivers BAC level, they are required to submit to a breath test that is take by a breathalyzer. Each state has set its own BAC level according to its laws. If the breathalyzer shows that the driver’s BAC level is above the limit set by the law of the state, their driver’s license is suspended pending further investigation.

Auto Insurance Laws are very clear and strict when it comes to Driving Under The Influence and it is best for citizens to keep themselves informed thusly. Enter your Zip at the top of this page to find out more on DUI laws in your state.

Auto Insurance Cost: DUI Laws To American Citizens

Among the most frowned down upon felonies in recent history in society is drunken driving. A number of private organizations since the 1980’s have made it their mission to educate the society on the adversities and consequences of drunk driving. This coupled with the increased Auto Insurance Cost levied against a DUI offender make the individual not only bear the brunt of the crime but also feel socially sidelined for it.

Not having control over ones bad habits like drinking is seen as a weakness of some kind and people will lose respect for you especially if you killed or permanently maimed someone as a result of drunken driving. Most employers inquire on ones arrest record before employing anyone. A DUI conviction in ones record can easily make you loose on a good career or end the one you already have. Shunning of this habit is something that has been entrenched in society nowadays.

Private organizations that have been advocating for tough measures on drunk drivers like MADD have taken it upon themselves to put grades on states that take the required measures to curb this vice. States with tough laws like California were graded B+ while others like Montana were graded F. This is all in the spirit of trying to inform the public and push legislation that can reduce deaths on the roads due to DUI.

As is the norm, each state within the United States has the liberty to form its own laws regarding DUI. Shocking statistics revealed by the national traffic safety administration show that 21 percent of persons aged 15 and below in 2003, lost their lives following DUI related accidents. Furthermore, the statistics show that in 2004, DUI accidents were responsible for 39 percent of deaths on the road. The painful and shocking statistics are the reasons why organizations like MADD are hell bent on completely annihilating drunk driving.

Depending on the gravity of a DUI offense, the Auto Insurance Cost on the individual could be enormous. Despite the driver’s license suspension, heavy fines and legal fees, one could face incarceration. DUIs have become so serious that some firms have purchased policies to insulate them in such an event. The advantage to this is that each person now has to think twice before getting behind the wheel of a vehicle after you have been drinking. Bars are now held accountable for letting someone drive if they are overly intoxicated. Bar tenders must have a trained eye to be able to spot a drunken customer so that they can call for a cab to take them home if they have a car.

This culture may seem too tough but it is the best way to save lives. Many people have lost loved ones or had them permanently impaled or crippled as a result of one driver not wanting to leave the bar without that last drink. Enter your Zip above to view more statistics and also to join the fight against drunk driving.

High Risk Of Online Auto insurance For Drinking And Driving

Teenagers do dumb things, we all know that. Sometimes the things that they do are minor and affect no one, but in some cases, the things that they do are significant and can be very costly. That is why their online auto insurance rates are so high. Finding a rate that you can afford is no small feat. Searching around many different carriers and comparison shopping, is the best way to get the best price for not only them, but your family as a whole.

Under the age of 25 is the riskiest age category for auto insurance carriers. That is not an arbitrary age. Individuals under the age of 25 are responsible for substantially more accidents than any other age category. Not only accounting for the largest number of accidents while sober, but also those when under the influence. Even for teens that are not old enough to drink, driving while under the influence is still a major problem. This age group is notorious for bad judgment and making poor decisions. Getting behind the wheel of a car when drinking is only one of many but can have some serious disastrous consequences.

It is a fact that children who start drinking at younger ages are over seven times more likely to be in an alcohol-related crash according to the national highway traffic safety Administration. Contributing to that statistic is that younger age children are drinking and getting behind the wheel at much younger ages. Teen alcohol use also kills about 6,000 people each year, as reported by the Institute for Medicine national Research Council of the National Academies. That is a staggering number when you stop to consider that on the average 28 people die per day as a result of drunk driving crashes.

Perhaps drinking and driving habits of teens is the need for teens to hide their alcohol consumption. Although one in five teens binge drink, only one in one-hundred parents believe that they do. There is quite a large gap between reality and perceived reality. Therefore, when a teen does drink, they are much less likely to call their parents and ask for a ride. The fear of having a parent find out about the behavior is far greater than making the right decision. It is not only about driving, there are many things that need to change about teens and drinking. Unfortunately, one of the consequences of the persistence of behavior change is the loss of life of drunk driving teens, and those that they hurt through their actions.

There is a reason why teenager’s auto insurance is more costly than any other age group. They have a tendency to make poor decisions. Until we are able, as a society, to curb underage drinking as a whole, the problem of drinking and driving in this age group will persist. If you are having a hard time affording insurance for your teen, that is one of the driving forces for the increased rate. To get the best rate possible, doing a comparison and getting many different quotes is the best way to get the lowest price possible. Start investigating what is available for your insurance needs by scrolling to the top of the page. Simply input your zip code in the box and receive a free rate quote today. Don’t wait another day to cover your auto insurance needs at a price you can afford. Shopping online auto insurance will allow you to get many rates at once, which is a good decision to get the lowest rate possible.

DUI Violations From A DMV: Know Your Rights

Doing an auto insurance comparison is the best way to get the lowest price possible on your premium. If you have a driver’s record that has a conviction such as a DUI or DWI from the DMV, then finding low cost insurance is going to take much more research and effort on your part. When you are pulled over for probable drinking and driving, you do have certain rights. Sometimes exercising them is a good idea, sometimes they are not. Knowing what things you may want to decline and what the consequence of doing so may mean the difference between a prosecution’s case that is hard to defend yourself against, or one that will get thrown out right away.

When you are first pulled over for a violation, if there the officer suspects that alcohol may be involved, they need something called probable cause to test you any further for alcohol consumption. Probable cause is a very subjective thing sometimes, and unfortunately, the authorities are given some liberties here. If you are driving erratic, ten miles or under, or have shown bad decision making in your driving, they may have cause to proceed further.

The next test that they can require is a breath test, or a field sobriety test. Both of these tests are tricky. You have no obligation to take either of them, but the question then remains are there advantages, or disadvantages to taking them or refusing to take them. Obviously, if you have not had anything to drink, then you should move further with their request. If you have nothing to fear, then allow them to rule out any influence of alcohol. If you have had any alcohol at all, this is a test that you may want to consider refusing. If you go ahead with the test, you will most likely be subjected to further testing. The test results are all based on the opinion of the officer. He or she is the ultimate judge of whether there should be further testing. In most cases, if there is suspicion, you will not pass.

If you were not pulled over because you were driving erratically, driving more than 10 miles under the speed limit, or have admitted to drinking at all prior to the event, then they really have no reason to proceed with the testing. If you were pulled over for any of those reasons, however, you will probably be subjected to further testing. Declining a test if there has been no probably cause is a good idea; it can stop any further testing from being done without consequence. If the officer has already sighted you for probable cause, or you admitted drinking prior to the accident, you will be subjected to further testing especially if you look like you have been lying.

Therefore, the question of whether you should decline or not depends on the circumstances leading to the request. Knowing your rights and when to exercise them can save you from further ordeal all together. If you are arrested and convicted, however, making sure that you are insured is imperative to avoid further criminal issues. There are some carriers that will deny coverage or make it very costly.

If you are having a hard time finding insurance after a conviction, input your zip code at the top of this page and see what is available in your area. You may find with the free rate quote supplied that insurance is not only available, but affordable as well. Doing an auto insurance comparison may be the only way to insure yourself if you have been convicted of a DUI or DWI under the DMV.