Christmas season is time for enjoyment and time to beware of drunk driving – avoid dui insurance.

Drinking is not an issue, drinking and driving can lead to dui insurance or sr22 insurance, learn how to avoid it

Halloween is over and Christmas is round the corner. It is certainly celebration time for one and all and obviously party time. Yet, you need to keep the party off the road. You cannot afford to get involved in drunk driving or needing a sr22 insurance or dui insurance when you need to be spending to buy gifts and presents. Its time to keep on the buzz. Remember buzzed driving is drunk driving – “don’t get behind the wheel.”

Admittedly the incidents of drunk driving are reducing but Halloween night is one of the deadliest nights of the year for impaired drivers and their victims. The next to follow in line for auto accidents – drunk driving. In 2008, according to the National Highway Traffic Safety Administration, 58% of all highway fatalities across the nation on Halloween night (6 p.m. October 31 to 5:59 a.m. November 1) involved a driver or a motorcycle rider with a blood alcohol concentration of .08 or higher, which is illegal in every state.

It is very possible that once you are impaired, you would not be able to think logically and reason out the need for taking a cab or a taxi for a ride home. You do not realize that this is one great way to keep the fun season, festive and safe celebration for everyone.

There are certain recommendations from the Highway Safety and their tips are :

• Plan a safe way home before the festivities begin;

• Before drinking, designate a sober driver;

• If you’re impaired and haven’t designated a sober driver, use a taxi or call a sober friend or family member;

Penalties for dui insurance are increasing and sr22 insurance is costly,

The penalties that are being inflicted for dui insurance are increasing in each country and each state.
American impaired-driving laws are similar to those in Canada but penalties in the U.S. justice system can be much tougher.
An Ohio judge in 2007 sentenced Jess R. Brown to 16 1/2 years in prison after he pleaded guilty to his 19th and 20th DUI offences, the maximum allowed by state law. The judge said it was the worst DUI record she’d ever seen.
Brown apparently pleaded for leniency, saying he needed treatment, not punishment. But the judge said Brown, whose first DUI conviction was in 1977, had plenty of chances to seek help.
Jail sentences for impaired driving are rare in Canada, generally only when death is involved, but case of Rob Ramage stands out.
The former captain of the NHL’s Toronto Maple Leafs was given a four-year federal prison term by an Ontario court for a drunk-driving accident that killed his passenger, Chicago Black Hawks’ star Keith Magnuson in 2003.
Ramage fought the conviction and sentence out of his 2007 trial but the Ontario Court of Appeal upheld both last July and Ramage began serving his sentence.
Magnuson’s family also won a $9.5-million wrongful death suit in a U.S. court against Ramage and the car-rental company whose vehicle he was driving.
Else where in the world drunk driving can lead to execution or a death sentence also? Be careful behind the wheel you do not want to be behind the bar.

Ways of obtaining cheap sr22 insurance

Get cheap sr22 insurance quotes here, only gain and no loss in trying this. The speciality insurance companies like GEICO, Progressive and big insurance banners like Alstate or AAA would provide you with competitive car insurance quotes and sr22 insurance or sr22 form. Some insurers also support you for rehabilitation of drunk driving.
Taking up defensive driving is a sure road to getting back on the tracks. However, it is worth it to save on your sr22 insurance cost at all times.
Enjoy the holiday season and be safe

Text ban laws not reducing auto accidents, dui insurance

< h1> Are our roads safe with text bans and sobriety check points to ensure no dui insurance or sr22 insurance?

There is a constant struggle between right and wrong, making up the law for keeping out roads safe. Of course the main purpose for this is not to give you cheap sr22 insurance or affordable dui insurance, though that is an indirect objective of the Insurance Institute-Highway Loss Data Institute is to curtail the claim losses which will give the consumers ultimately better dui insurance or sr22 insurance rates but first better auto insurance rates for the personal insurers.

Latest study by IIH on text banning laws to curb the auto insurance claims and auto accidents is not encouraging.

Latest study by IIH is given below for your ready reference not to break the continuity of your reading.

“Just two days before a texting-while-driving ban takes effect in Massachusetts, a new study being released today says that similar bans in other states have not reduced automobile accidents.
The report does not dispute the danger of texting while driving. It suggests that banning the practice, as 30 states have done, does not automatically produce safer roads
“If we’re counting on texting bans to reduce crashes from distracted driving, they’re not doing that,” said Adrian Lund, president of the Highway Loss Data Institute, which conducted the study. The institute, along with its sister organization, the Insurance Institute for Highway Safety, is funded by insurance companies
Lund, who is scheduled to present the findings today in Kansas City at the annual meeting of the Governors Highway Safety Association, said early word of the findings has made him unpopular at the conference.
“I think they’re going to see it as an attack on their program, but it’s not meant to be,” he said in a phone interview. “Unfortunately, so far, whether we look at handheld cellphones or whether we look at the texting bans, they do not seem to be working.”

US Secretary of Transportation Ray LaHood immediately condemned the study as “completely misleading.”
“Lives are at stake, and all the reputable research we have says that tough laws, good enforcement, and increased public awareness will help put a stop to the deadly epidemic of distracted driving on our roads,” LaHood said in a statement

LaHood has championed awareness of the dangers of cellphone use and other distractions, which caused almost 5,500 deaths and nearly 450,000 reported injuries in 2009. He has also pushed for state and congressional action to address the issue.

The new study is not the first time the research institute has suggested that legislative efforts to combat distracted driving are not affecting crash rates. In January, the institute found virtually no change in crash frequency for states that had enacted bans on handheld phone use.
In the latest study, the institute examined four states that were among the first to ban texting while driving – California, Louisiana, Minnesota, and Washington – and compared insurance claims for collisions in those states before and after the ban, as well as in neighboring states where laws did not change during that time
In one of the states, the rate of crashes did not change significantly; in the other three, it went up slightly. Lund said there could be multiple explanations for an increase, including the possibility that drivers who continue to text despite a ban might be lowering their hands and taking their eyes off the road in an attempt to text more discreetly, out of view of police. And for those who do give up texting, other distractions may be filling the void.
Other studies by the Insurance Institute-Highway Loss Data Institute have found that many drivers are not heeding texting bans. One survey found that 45 percent of drivers 18 to 24 admitted to texting while driving in states with a ban, only slightly less than the 48 percent in states without. In another study, based on observations of thousands of teenage drivers approaching and exiting their high schools, the Insurance Institute found that the percentage of teens texting or talking on the phone in North Carolina actually increased slightly after that state passed a ban.”

We need to really think in relation to the accidents and the heavy prie each of us are paying for dui insurance or sr22 insurance. Let me remind you of the fact that the premium is not charged on the basis of each individual but the claims expereince of the geographical area, the gender and the age group! We all are paying part of the dui insurance and sr22 insurance. This is a harsh reality.

Remove laws since they do not seen to work to reduce auto accidents, dui insurance or sr22

Your opinion will be appreciated on whether the laws should not be applied since they do not seem to work. You can still try and get cheap sr22 insurance or affordable dui insurance by comparing auto insurance. Why should you bother with safety?
Personally, I strongly feel that laws should be made and be worked on. Life is valuable and so we need to have safety measures for life. Stop drunk driving, distracted driving, texting and keep the roads safe for all.

Joaquin Phoenix: How is DUI related to auto accidents and the requirement of SR22 insurance. The insurance rates are high and getting cheap sr22 insurance is almost impossible? My question : Is SR22 insurance justfied for DUI? Cheap SR22 insurance is a big issues!

SR22 insurance is justified for DUI.
Response : The relaity is harsh but a truth and thart every 8 minutes an accident is taking place and fatal deaths are ocurring in USA. More than 36% of these are related to drunk driving. It has been proved beyond any doubt that drinking does affect your nervous system.

Impact of Alcohol on Your Motor Reflexes
Admited that the effects of alcohol are varied depending on the person and their tolerance (related to weight, age, and diet). For most, a blood alcohol content of 0.01-0.05% is considered subclinical and will result in normal behaviour and slowed reflexes – similar to not having slept yet after a long day.

Once you reach 0.03-0.12%, you are considered in the Euphoria stage. At this stage one tends to losse critical judgment, emotional instability and the impairment of general perception, memory and comprehension. This would result in your losing the basic skills needed to properly operate a motor vehicle. Everything from visual acuity, to glare recovery, to sense motory coordination are all reduced, with drowsiness another dangerous side effect. Once you reach 0.10%, you reach a confusion – a point which will result in loss of motor control, visual disturbances and dizziness. After this, you reach dangerous levels of Stupor and even Coma.

What happens when you drive a Car While Intoxicated?
While driving a car, you can start to lose the necessary motor skills to handle a car normally as low as 0.03%, and for some people even lower. The risk of accident goes up immediately – at 0.01%, and continues to rise exponentially the higher you go on the blood alcohol charts. By the time someone reaches the 0.08% that is considered legally drunk in most states, they will be well beyond safe driving limits.

In any situation, driving a car while drinking is absolutely wrong. Even a single drink can increase the risk of an accident many times over. And when the body gets to the point of legal intoxication, the risks are infinitely higher, resulting in potential accidents or even deaths. The results have been seen again and again.

Insurance companies have records, data and statastics which clearly indicate that drinking and driving has resulted in high claims expense to them and so have the DMV authorites and the goverment. Hence SR22 insurance – financial responsiblity is very must for a person who has been involved in drunk driving since the records again prove that drunk driving offences are repeated offences.
Cheap sr22 insurance
Cheap SR22 insurance is defintely a big issue and becomes bigger if you are again and again held for DUI. Yet, this is possible if you make an effort of looking online and researching and getting cheap sr22 insurance quotes and take measures for stopping DUI offences- DUI sr22 car insurance would than not be required.. Get cheap sr22 insurance or affordable sr22 insurance online. Check out previous post on cheap sr22 insurance.

Thanks.
Kamlesh

John Calton : Can you give me the ways in which I can reduce high auto insurance rates?

Reducing high auto insurance rates

Response : If you have a DUI conviction, or speeding tickets or have had repeated auto accidents you are certainly a high risk. This is not a matter of fun but is to be taken seriously. This obviously is sending the signals to your insurer that you have bigger chances of getting into trouble which results to filing claims. With repeated and continuous claims the insurers would not be able to make a lot of money so they formulate a way to keep you out of their company – very high rates. Is there still hope? Yes, most certainly. Fortunately, there is. There are several companies who specialize in offering high risk auto insurance for drivers and car owners who are considered high risk. Although the rates in this type of insurance are relatively higher than ordinary insurance, it is still the best type of coverage for risky drivers.
The question now is how you would reduce high risk auto insurance rates. Although you cannot expect your rates to drop instantly, it is possible to lower them:
1) Changing your driving habits – improve your motoring skills through graduated driving lessons, monitoring with GPS.
2) Drive old or four door cars which do not require comprehensive coverage.
3) Improve your credit score. It your credit score is good you will certainly save on high risk auto insurance rates.
4) Avoid drunk driving at all cost. drive old or four door cars, and by improving your credit score. If insurers notice that you pay your bills on time, they will reward you for the effort.
5) Shop online, compare quotes especially from speciality insurance companies.
If you are having a difficult time finding high risk auto insurance shop around the Internet. Because of the competition in the Internet, you may get surprisingly lower rates than what you have expected. Just be smart on your search and use quoting and comparison sites to fuel your hunt. DUISR22carinsurancequote is especially for high risk drivers and it has comparative auto insurance quotes for high risk drivers. Do not make the mistake of altering your profile just because you are high risk.
Getting high risk auto insurance is undeniably more difficult than the normal auto insurance. However, it can still be obtained by following some basic principles like shopping around and comparing rates. Other ways to keep your rates low is by maintaining a clean driving record, improving credit scores, and of course, asking for discounts.

Leslie Rodhe : Why are penalties for drinking and driving so strict? Why do insurance companies and traffic authorities try to stop drunk driving or driving under influence and penalize with DUI insurance, high risk insurance or SR22 car insurance?

Response : Drinking and driving is a hazardous combination. It is proved beyond any doubt that drunk driving causes auto accidents and high fatalities. In fact to take the scope beyond the auto insurance liqour liablity insurance is taken which is known as host liqour liablity.
CONSIDER THESE FACTS:
• One third of the fatalities in involve impaired or intoxicated drivers and pedestrians,
• With increased Blood Alcohol Content (BAC), crash risk increases sharply. A driver with a BAC of 0.08 is four times as likely to cause a crash as a driver who has not been drinking, while a driver with a BAC of 0.16 is 25 times as likely to do so.
• Young drinking drivers are at the highest risk of all. Drivers 20 years old or younger are almost three times as likely to be involved in alcohol related fatal crashes than other drivers.

Now the insurance companies, the law enforcement agencies, the state goverment and even the social organizations want to prevent drunk driving and accidents, DUI insurance so the laws are very strict. The insurance companies lose a lot of money on these accidents and the frequency and severity of claims is very high and so they are rated as high risk drivers. Please avoid drunk driving especially during the holiday season, when the chances are very high for the same.

Thanks.
Happy Motoring.
Kamlesh