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

Mike : Is it true that drunk driving is decreasing and alcohol-imparied driving is on the decline?

Response :  A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers and alcohol-imparied driving.

In 1973, 7.5 percent of drivers had a blood alcohol concentration (BAC) of .08 or higher. In the latest survey, that figure had fallen to 2.2 percent. A BAC of .08 or higher is now above the legal limit in all 50 states and the District of Columbia.

Previous roadside surveys conducted by NHTSA have measured only alcohol. But the 2007 survey used new screening techniques that detected other substances as well and in the future may help show the extent of drug impairment among drivers.

The survey found 16.3 percent of nighttime weekend drivers were drug positive.

NHTSA is conducting further research to assess how drug traces correspond to driver impairment since some drugs can remain in the body for days or even weeks. Should further research indicate that drugs pose the same type of traffic safety risk as alcohol, NHTSA is committed to applying lessons learned in fighting the drunk driving problem.

Among the findings of the latest roadside survey are these:

• The percentage of male drivers with illegal BAC levels was 42 percent higher than the percentage of alcohol-impaired female drivers.

• Drivers were more likely to be illegally drunk during late nighttime hours (1 a.m. to 3 a.m.) than during daytime or early evening hours.

• Motorcycle riders were more than twice as likely as passenger vehicle drivers to be drunk (5.6 percent compared with 2.3 percent). Pickup truck drivers were the next most likely to have illegal BACs (3.3 percent).

Drunk driving DUI is always been a big issue for insurance companies and also the offenders since the insurance company would increase the auto insurance rates for high risk. However, do not be disheartened for you will find cheap  SR22 car insurance.

Blake : Is it true that drug use is as dangerous as impaired driving ?

Response : Unfortunately this is true and another thing to be kept in mind is that it is considered a criminal offence and hence the claim can be denied on the basis of drug usage by an insurance company.

A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers

In 1973, 7.5 percent of drivers had a blood alcohol concentration (BAC) of .08 or higher. In the latest survey, that figure had fallen to 2.2 percent. A BAC of .08 or higher is now above the legal limit in all 50 states and the District of Columbia.

NHTSA is conducting further research to assess how drug traces correspond to driver impairment since some drugs can remain in the body for days or even weeks. Should further research indicate that drugs pose the same type of traffic safety risk as alcohol, NHTSA is committed to applying lessons learned in fighting the drunk driving problem.

Among the findings of the latest roadside survey are these:

• The percentage of male drivers with illegal BAC levels was 42 percent higher than the percentage of alcohol-impaired female drivers.

• Drivers were more likely to be illegally drunk during late nighttime hours (1 a.m. to 3 a.m.) than during daytime or early evening hours.

• Motorcycle riders were more than twice as likely as passenger vehicle drivers to be drunk (5.6 percent compared with 2.3 percent). Pickup truck drivers were the next most likely to have illegal BACs (3.3 percent).

The 2007 survey involved more than 300 roadside locations throughout the U.S.

For DUI insurance you will have to obtain a SR22 car insurance and cheap sr22 car insurance can be found online. Drug usage is a criminal offence which is an exclusion for insurance.

Mike : Is it true that woman drunk driving is on the rise? Will this affect the insurance rates?

Response : Yes this is a fact and a concern, woman drunk driving is on the rise in USA.At an event today kicking off a nationwide anti-drunk driving enforcement campaign, Transportation Secretary Ray LaHood released a new study by the National Highway Traffic Safety Administration (NHTSA) that shows an increasing trend among women driving under the influence of alcohol. The new analysis is based on an increase, in certain parts of the nation, in the number of alcohol-impaired female drivers involved in fatal crashes in 2008 compared to the 2007 statistics.

“Impaired driving is an issue that cuts across all segments of society and, sadly, the number of arrests of women driving under the influence is on the rise,” said Transportation Secretary Ray LaHood. “This is clearly a very disturbing trend.”

The Secretary pointed to statistics from the FBI showing that arrests for women driving under the influence increased by nearly 30 percent (28.8%) over the 10-year period from 1998 to 2007. Over that same decade, DUI arrests for men decreased by 7.5 percent, although the total number of men arrested during the period outstripped women by about four to one.

The NHTSA study confirmed the FBI statistics showing that impaired driving by women is becoming a national safety issue. According to the NHTSA analysis, the number of impaired women drivers involved in fatal crashes increased in 10 states, and remained flat in five states – despite an overall decline of 9 percent in all drunk driver crashes in 2008 from 2007.

The 10 states with increases in the number of drunk female drivers involved in fatal crashes are: Ohio, New Hampshire, Montana, Nevada, Wyoming, West Virginia, Indiana, Washington, Kansas, and Tennessee. The five states where the number of alcohol-impaired female drivers remained unchanged in 2008 were Iowa, Maine, Maryland, Oklahoma, and Utah.

The DUI car insurance would certainly rise since the DUI car accidents are fatal most of the times. SR22 form and insurance would be necessary for the offenders and this would be high. However, do not worry about this since shopping only will give you cheap and affordable sr22 car insurance quote.

Reader: Does alcohol-impaired driving differ by gender?

Research has shown that male drivers are more likely to involve in drunk driving and crash than the female drivers. This is one of the reasons also why the auto insurance rates are higher for males. According to the data available 40% of the male drivers of passenger vehicles had BAC at or above 0.08 percent. The corresponding proportion among female drivers was 21 percent. The alcohol involvement in fatal accidents was highest for males between the age of 21-40 years.

According to national roadside breath surveys, the proportion of female drunk driving is increasing compared to the man. The night driving has increased for women. The nighttime samples taken from the woman has indicated that the incidence of drunk female drivers has increased from 16% in 1973 to 31 percent to 31 percent in 1996.

The insurance companies use this data and driving history to base their car insurance rates. Prevention is better than cure. It’s best not to drive when you are drunk to avoid all the hassles of law, stress, emotional turmoil and most importantly to get involved in high car insurance premiums.

K  Desai