Andy Williams :  Reckless driving has been my weakness . Driving on the fine roads in Virginia – I just love going zooming….. like the Biggest Avengers challenge! Would this lead me to being high risk driver or sr22 insurance?

Response : Avengers have a mission Andy, yours seem to be wanting to get branded as a high risk driver. Reckless driving and getting tickets for reckless driving is a moving violation and this is going to prove to be costly for you. Yes, it certainly will lead to high risk car insruance rates, which is not at all fun. Your car insruance rate can go zoooming up and up.. Believe me its not much fun. You would be left with very little and low choice of car insurers -since the risk takers are declining in the market and besides, since your choices are limited, you are on the wrong side of the bargaining table for low sr22 insurance or cheap sr22 insurance- sr22 insurance is associated with high risk car insruance.

Just recently as per last week here is what happended in Virgina :

A security attack on five Virginia interstates produced a lot more than 3,000 citations for speeding, reckless driving along with other traffic offenses.

Virginia Condition Police military also arrested three drivers on drunken driving charges and 11 others on criminal offence and drug charges.

Military carried out the Operation Air, Land and Speed traffic safety program Sept. 22 on Interstates 81, 95, 64, 66 and 85. Condition everybody it’s the very first time five interstates happen to be specific concurrently.

Throughout the ten-hour operation, military reported 1,460 speeders, 455 reckless motorists and 103 people for neglecting to put on ocean tbelts.

Were you at any of the intersections?

Watch this video on reckless driving :

Whether the pedistrian is a good person or not- the insurance company is going to go by your records. Watch your reckless driving record . If you do get branded as “high risk driver”  do not fail to take these three steps:

1) Take  up a defensive driving course.

2) Stop reckless driving – NOO……No…. Its like Lady Gaga saying NO No to weight gain.

3) Take a free car insurance quote here- you will get your cheap sr22 insurance quote now.

Thanks.

Kamlesh

Steve Black : Lindsay Lohan is again involved in another car accident contreversy – would her dui insurance rate shoot up!

Response : Yes, this has just hot off the press Lindsay Lohan arrested for hitting pedestrian in New York. However, there is already a contrversy in this matter.

Steve, lets leave Lindsay’s case on what is real to the news media , but lets discuss this from the insurance presepective.

Lindsay has already two dui’s on her name. She is already paying dui car insruance and not long time ago, it was estimated that for her Porsche – Lindsay is already paying dui car insurance of $10,000+ per year, which is indeed a very high dui insurance rate.

It is also true that in most ordinary cases, where a person is involved in two car accidents over a period of 3 years and has a ticket on his name, getting car insurance can become really difficult.

Contarary to this we have cases of a person who has had a couple of dui’s and car accidents hence getting dui insurance would become very difficult. This would certainly be categorized as high risk.

It would also become a question if the insurance company does want to renew or write the

DUI car insurance for ordinary persons

DUI car insruance rates are high and with more than one dui convictions, even speciality risk insurers prefer not to underwrite the risk. You would certainly have a tough time finding car insurance at low dui car insurance ratee. Even with telematics today the mordern method of car insuarnce rating, it is based on driving record and hence with drunk driving – a bad driving record, dui insurance rates would shoot up.

Would an addiitional accident even if its not dui incident increase the dui insurance rate?

With each car accident with a dui record, the dui insurance rates would increase. Lindsay Lohan would find a dui insurer who would be ready to insurer here and her dui insurance rate would shoot up consideralby. She would be able to cough up $10,000 to $15,000, would you be able to pay so much? Especially in this economic times, when the recession is still going deeper and deeper.

We have made the provision for you, tying up with the best speciality insurers. You can compare and get dui insurance rates, which would suit your pocket. Check them out.

Sr22. SR22 makes you think you off planes- hold on there is a requirement even for cars to have sr22. Humm! Yes, you need sr22 form if you are a high risk driver. Yes let us go into the details of who is a high risk driver?
A high risk driver is one who require sr22 insurance :
1) Is driving without car insurance. Remember that car insurance is mandatory and you need to have insurance.
2) You do not have a good credit score.
3) You have a number of traffic violations or accidents
4) You are caught drunk driving or have a dui conviction.
For finding out more details on :
• What is sr22? What is sr22 requirement?
• Which states do not need sr22?
• What happens when you change a state and have a sr22 requirement presently?
Watch this video below:

Lets also discuss a question which is repeatedly asked : How long would I need SR22 insurance.
The requirement of sr22 car insurance would depend upon the state requirement where you reside and remember this change from time to time. However, the sr22 insurance requirement is generally for 3 years in most states. You also need to keep in mind that most personal lines insurance companies would not insurer you if they see that sr22 requirement on your driving record and hence you would need to get help from a specialty insurer like GEICO, Progressive, Allstate, Unitrin to name a few.
Check out your sr22 insurance quote here, if you need one or even if you need you would get the best deal.
Thanks.
Kamlesh

 Colorado revised stature (C.R.S.) 42-2-132-5. Would be benefiting the first time dui offenders : 

As on August 8 2012 a law revision is expected that repeals and reenacts Colarado Revised Statue (CRS)  § 42-2-132.5. The former law made it mandatory for any motorist applying for early reinstatement after a DUI_ based conviction or revocation to still continue having the SR22 insurance policy for  a time line of over 3years or until the motorist’s license was restricted. As per the previous law the license could only be reinstated after 3 years for first time offenders who were not involved in a car accident at that time.

 Now as per the revised law DUI, DUI per se, or DWI, first time offenders are excused from the three year sr22 insurance requirement, if there is no accident at the time of the offence.

 The time line for the requirement of the SR22 insurance is only for the time “until the person has a restricted license “. This period would be as short as 4 months or only 3 years.

 Wow! It  would mean a free sr22 insurance policy and immediately getting into the personal lines auto rating system.  This would mean that you would be in the high risk category only for a period of 3 months.

 Even if you require sr22 insurance or do not require sr22 insurance for getting cheap sr22 insurance, low dui insurance or cheap car insurance – compare your auto insurance quotes and be rewarded with savings.

 Check out what how you can save also on the personal car insurance without the sr22 insurance requirement here,

Get a complete auto insurance guide to auto insurance in Coloroda, if you do not need sr22 insurance.

Teens are considered high risk drivers. More teen auto crashes occur in southern states than any other region in the U.S. To help combat teen auto crashes and fatalities, Florida was among the first few states to implement and enforce a Graduated Driver’s License (GDL) program. Beginning in 1996, teens were required to go through three levels of licensing before applying for an unrestricted, permanent license. Within one year of starting the program, Florida saw a 9% decrease in the number of accidents involving teens. Continue reading to learn more about Florida’s teen driving laws and what it takes to obtain a license in the Sunshine State.

Florida Graduated Driver Licensing (GDL) and Driver License Requirements

Under Florida’s Graduated Licensing (GDL) laws, teen’s aged 15 but not older than 16 must take a driver’s education course before applying for a learner’s license. After receiving the learner’s license, the teen must complete 50 hours of supervised driving with ten hours to be completed at night. The teen must hold the learner’s license for one full year. Once the year is complete and all other requirements have been met, a parent or guardian must sign a form stating that the teen has successfully completed the practice hours.

Teens between the ages of 16-17 are eligible to apply for a restricted class E license only after all learner’s license requirements have been met and the teen has maintained a perfect driving record.

To obtain a learner’s license, you must:

• Obtain parental consent (parents must fill out and sign the parental consent form)
• Pass a traffic law and substance abuse education course (written proof will be required)
• Provide a social security card
• Provide proof of residence
• Pass a written test
• Pass a vision test
• Pay a $27 fee (fee covers all licenses to follow)

Florida Teen Driving Laws and Enforcement

In the state of Florida, teens with a learner’s license must be accompanied by an adult at all times. Once you receive your restricted class E license, you cannot drive between the hours of 11 pm. and 6 p.m. if you are 16 years of age. If you are 17, you cannot drive between 1 a.m. and 5 a.m. The only exception to these rules are if you are driving to and from work. In these cases, you must drive with a licensed driver, age 21 or older. He must ride in the front passenger seat at all times. Once the teen reaches the age of 18, the restrictions will be lifted.

If a you violate any of the restrictions above, your unrestricted driving privileges could be delayed for up to one year. If you receive a traffic conviction while holding a learner’s license, the one year period will be automatically extended for one year from the date of conviction or until your 18th birthday –whichever period is longer. Violations cold also lead to points on your license. If you receive 6 points on your record within a one year period, your driving privileges will automatically be restricted to business purposes for one year or until your 18th birthday, whichever happens first.

Florida also has penalties for truancy. If you are truant in school attendance, your license will be suspended until you provide proof that you have attended school for 30 consecutive days.

Florida Cell Phone Use/Texting While Driving Laws

In the state of Florida, it is perfectly legal to talk on your cell phone as long a you have the phone up to one ear, and you can hear with the other. It is also legal to text while driving, for now. The state is in the process Florida Senate Bills 172 and 1578. If passed, SB 172 would prohibit cell phone use without a headset or hands free a accessory. SB 1578 would make it illegal to text or receive texts while driving. Penalties for first and second offenses are also being reviewed.

Florida Teen DUI Laws

In the state of Florida, it is a crime for a teen to operate a motor vehicle with a blood alcohol concentration level (BAC) of 0.02% or higher. A BAC of 0.02% in the state of Florida means you are “legally drunk,” whether you pass all field sobriety tests or not. A BAC of 0.02% is as little as one beer, one glass of wine or one mixed drink for most people.

If you get caught driving with a BAC of 0.02% or higher in Florida, your license will be suspended immediately for 6 months. For a second offense, you will lose your driving privileges for one full year. If you refuse an officer’s request for a chemical test, under Florida’s implied consent law, you will automatically lose your license for one full year – for a first offense. For a second, you risk losing your license for 18 months.

Fines range from $250 up to $5,000 for multiple offenses. The judge might also order community service, jail time at a juvenile detention center, and/or interlock.

Florida Teen Auto Insurance Requirements

It doesn’t matter if a vehicle is registered in the teens name or the parent’s name, in the state of Florida, you must carry minimum liability coverage of $10,000 for bodily injury for one person, $20,000 for bodily injury to two or more people,
and $10,000 property damage liability (10/20/10). Because the risk of an auto collision is significantly higher during a teen’s first year behind the wheel, Florida auto insurance companies recommend purchasing higher amounts of coverage than the legal limits. If you plan to add a teen driver to your policy, keep in mind that your annual rate will increase anywhere from $1,200 to $4,900 a year – or an average of $2,171 a year.

Although auto insurance premiums will increase if you add a teen to your policy or purchasing teen auto insurance will always be pricier than other policies, there are ways to qualify for discounts on teen auto insurance. Auto insurance companies offer discounts ranging from 10-15% or more for:

• Maintaining at least a B average
• Successful completion of a state approved safe driver course

You can also lower your premiums on teen auto insurance if you avoid purchasing sports and luxury cars for your teen, if you opt for a higher deductible, or if you combine insurance policies into one (i.e. life, home, health, renter’s, etc.).