Ben : What is SR22? Can fatigue driving be considered high risk driving?

Response : Ben, Let me tell you that SR22 is a form which shows that the person has isn’t a type of insurance, but rather proof that you have certain types of insurance. This is based upon the financial responsibility laws that are prevailing in the state where the person lives. Secondly SR22 car insurance is required financial responsibility when you are involved in a car accident and have insufficient limits as per the state requirement or you are convicted for drunk driving.

Fatigue driving is done by most of us virtually at some time or the other. To discourage the fatigue driving, usually fleet drivers have to maintain a log and show that they have not done a stressful driving. When a person is involved in a car accident repeatedly to fatigue driving, the insurance companies would qualify them as high risk drivers or high risk as per their insurance. Once you face such a situation than it would be best to go and take a quote from the specialty insurers.

NHTSA statistics show that at least 100,000 crashes and 1,500 deaths each year are the result of drivers falling asleep at the wheel. The National Sleep foundation also conducted a survey which should that 100 million drivers, close to half of American adult drivers, drive while drowsy and nearly two out of ten admitted to having fallen asleep at the wheel. This survey was conducted in 2002. New Jersey has taken very strict measures for this and has passed a law in 2003 that equates falling asleep at the wheel with reckless driving. In this state if a driver falls asleep and kills someone in a crash, he or she can be charged with vehicular homicide and serve up to ten years in jail and pay fines. Four other states have considered this legislation but have not passed such laws.
Thanks.
Kamlesh

Scott: How can you get auto insurance after 2 DWI’s?

Response: Scott, I must really tell you that you are going to have a tough time. You have been caught not once but twice in a drinking and driving situation. You must consult a lawyer for your legal matters and also on obtaining your driving license back and the demerit points.

On the insurance side, you will be required to produce a financial responsibility or to have the SR22. I would advice you to definitely have the SR22 even if it is not required by your State since if you are involved in an accident you will have a grave problem. There are several high points of specialty insurers who will insure you. The cost of insurance will be high. Please go for on-line SR22 quotes and check out your options online.

Secondly get a impaired-ignition lock installed in your car immediately so that you will be prevented from driving once you are intoxicated. This will prevent you from any further trouble and also save property and life damage which might be your own.

Please go for some classes or a rehabilitation home to get out of the habit of drinking so that you are saved from the stress and tensions. I know it is easy to say but difficult to do. But its not impossible like the insurance companies who still offer comparative quotes for DUI/DWI and intoxicated.