greg davis : I have been charged with wet reckless driving? Is this similar to a dui offence? Will I have to pay dui insurance or get a sr22 insurance? Please help me find affordable dui insurance.

Wet reckless driving is lower than dui conviction, however dui insurance would apply

Response : Wet reckless driving charge is leveled when one is driving under the influence (DUI) and is driving recklessly. Here you are committing two wrongs one is reckless driving and the other is driving under influence or drunk driving. Wet reckless driving charge is not permissible or applicable in all states, however California has wet reckless driving.

This is a step down from a DUI charge. You can plead guilty to a dry reckless charge but you may still be asked to complete alcohol treatment programs. You will have to contact a legal person on the charges since the same is out of my knowledge area. However from the insurance perspective a wet reckless driving charge is sufficient for you to fall in the high risk category and start paying dui auto insurance rates.

3 things to remember for wet reckless driving and dui insurance on wet reckless driving.

Once you have got the wet reckless driving charges legally you might be better off than dui convictions however here are 3 things that you have to remember :

1) Your charges for dui would be higher once you have been charged with wet reckless driving since this would be considered a prior and you would face stiffer penalties.

2) Wet reckless driving charge is on your record for a period of 10 years.

3) Your dui insurance will be applicable and you would be considered as high risk by some companies up to 10 years since you would have it on your record for 10 years.

Getting affordable dui insurance or sr22 insurance

It would be most advisable for you to complete alcohol treatment programs which is needed officially. This would help you in getting out of drinking and driving or dui and hence the chances of any repeated offence would be lower.

You will have to take a dui insurance rating and the insurance companies would charge you on the basis that you are a high risk driver, but you can get affordable dui insurance here.

Sr22 insurance would not be applicable in this case of wet reckless driving since your license is not suspended. You need not worry about finding sr22 insurance. However, for affordable insurance it is best to seek a quote from a speciality insurer who gives you a dui insurance and sr22 form or sr22 insurance also, since they have better offers and affordable dui insurance rates.

Tanning Tax :Is it true that distracted driving is considered high auto insurance risk and can lead to Sr22 insurance?

Distracted driving and high risk lead to SR22 insurance

Response : Tanning, let me first let you know that SR22 insurance is not actually a insurance but a form which is given by the insurance company which states and proves that a high risk driver has car insurance or auto insurance. Check out my log post which explain sr22 insurance and how to obtain affordable or cheap sr22 insurance for your reference if you need the same for yourself or for a friend or relative.

Now, distracted driving has definetly lead to auto insurance accidents – fatal ones and hence this leads the driver to high auto insurance risk category , or they are categorized as high risk.

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Many of them were teens.

According to the Insurance Institute for Highway Safety, seven states currently ban driving while talking on a hand-held cell phone. The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states.Florida, Kentucky and Alabama are among the states weighing their own bans.Nearly one out of five U.S. drivers surveyed has read or sent a text message while behind the wheel, according to a recent AAA survey – even though they consider such action unacceptable.

The AAA, the National Safety Council and most safety advocates have urged texting bans for drivers in all 50 states. The insurance industry conducted a study to find out whether this law should really be passed.

The Highway Loss Data Institute study found that claims rates did not go down after the laws were enacted. It also found no change in patterns compared with nearby states without such bans.

HLDI is a respected research group but its results in this study seem to defy everyday experience, common sense and human psychology. It found that this required multi-tasking and these are complex things which requires concentration. The psychologist have stated that both driving and talking on the phone require brain demands and hence it is very likely that the driving is impacted whilst talking. Text mesaaging is even more complex than talking on the phone.

It is best to be safer than to regret things in the future since sometimes regret also never brings back life or a lost one. Distracted driving has lead to accidents and you would certainly end up being a high risk driver. The reality is that high risk drivers do need SR22 insurance and getting cheap sr22 insurance is something which you need to undertake and compare auto insurance.

Thanks. Be safe and drive safe.
Kamlesh

Jonathan Volk: How to get cheap high risk auto insurance or cheap sr22 insurance?

Cheap high risk auto insurance or cheap S22 insurance

Response : Most insurers would naturally question you that if you belong to a high risk auto insurance risk category than how can you think of getting cheap high risk auto insurance or cheap sr22 22 insurance. However, I understand that what you are looking for is the cheapest auto insurance quote in the category of being a high risk driver or needing SR22 insurance for your drunk driving or any other adverse driving record.

Let me assure you that you can still try to get affordable sr22 insurance and cheap high risk auto insurance quotes if you try and compare the high risk auto insurance quotes online.

You can still do yourself more good if you try working out ways on getting yourself out of this high risk auto insurance category and for this here are some of the tips. Ofcourse you must have read about them on other blog post and even some of mine but this is because these are the sure ways of reaching your destination of being a standard auto insurance risk or going back to the personal auto insurance risk category from the high auto insurance category.

1. Go for a course in defensive driving or taking up driving lessons again which are designed to improve your driving. You can look up the quotes online and than talk to insurance company whom you are going to be insured with, if they have any provisions for offering some courses or giving you discounts if you take up any course. That will guarantee lower rates once it’s proven that you’ve completed your course.

2. Your rates are depending upon the amount of coverage and the type of coverages you opt for. If you already have medical insurance coverage from your employer you can discountinue the personal injury coverage on your auto insurance policy for the time being.Supplement higher limits of liabilty insurance coverage with an umberella policy so that you end up paying lower auto insurance premiums on this.

3. Work on your credit rating. A better credit rating would imporve your auto insurance rates.

4 Avoid making petty claims you can handle.

5. Look for insurance-friendly vehicles.

6. If you’re moving house, check that your new zip code doesn’t inflate your rate. You can mover to a zip code area which has less traffic if you are renting a house.

7. Go for car pooling so that you are using less mileage on the vehicle which will give you a cheap high auto insurance quote.

8. For a cheap sr22 insurance in case you have been held for drunk driving, you can have an ignition lock installled so that you would never be involved in this again.

9. Compare high auto insurance quotes from speciality insurers who specialize in high risk insurance or sr22 insurance. Find a provider that is more favorably disposed to your profile. It’s NOT a complex process. You can do it right now from where you’re reading this. Just get and compare quotes from a wide range of reputable insurers. I’ll recommend that you get as many quotes as you can as doing this raises your chances of find much lower quotes. From the quotes returned, you’ll see insurance companies that have cheaper rates for you — Without compromise to coverage quality.

Thanks.
Kamlesh

Sean Kingston: Oklahoma: How do I lower my quote for SR22 car insurance in Oklahoma? Obviously I have been convicted of DUI and my SR22 auto insurance quote is very high? Any suggestion or help would be welcomed.

Response: Sean, I understand the problems that you are facing. You are naturally trying to get out of a fix and paying dearly for a mistake of DUI driving. Expense need to be watched at any time and in this economic crisis they seem to be even bigger.

First let me give you a tip that you should not go for auto insurance coverage which are less than the minimum limits for the state and in fact take higher limits since you can certainly not endure any higher financial liability, in case you are involved in an accident. It is advisable not to compromise on the coverage just for a few dollars of cost.
Here are a few ways you can reduce your cost of SR22 auto insurance:
1) Go for a higher deductible: If you’re deductible is higher than the cost of auto insurance premium is reduced.
2) improve your credit rating: If you have credit rating points higher than 650 than you will be eligible for a cheaper SR22 auto insurance quote.
3) Get an ignition steering lock installed. This will prevent you from driving when you are drunk.
4) Go for defensive driving classes. This would ensure that you would not fall under the aggressive driver risk category.
5) Take up rehabilitation course for reducing your alcohol. As long as you are not able to overcome this, chances of drunken driving convictions would not be reduced.
6) Shop around for cheap Sr22 car insurance quote. Online you will find the best insurance deals. You will be surprised how much you can save.

Your aim should be to slowly move to the standard driver category so that you can get auto insurance quote from the personal insurers instead of the specialty insurer who give better and cheaper SR22 car insurance rates.

OKLAHAMA AUTO INSURANCE LIMITS:
Minimum Legal Requirements:
•Minimum injury liability for one person in an accident: $10,000
•Minimum injury liability for all injuries in an accident: $20,000
•Minimum liability for property damage in an accident: $10,000
•Personal injury protection (PIP) required? NO
•Uninsured motorist insurance coverage required? NO
•No Fault State? NO
Thanks.
Kamlesh Desai

Jack Humphrey : Can the new  insurance company find out that not reported with DMV but claimed with the current insurance company.

I want to change my auto insurance comp, I have claimed an accident with it for which i did not get a ticket. So will it matter if I don’t report it to the new company while asking for quotations? Do insurance companies talk to each other or share data?

Response : Jack, let me clarify that if something is not on the record of the DMV, it cannot be seen by any insurer. The previous insurance company does have your record, but the present company will not be talking to the other companies and will not find out at the moment.

However, if at any future date you have a claim and investigation is carried on by the insurance company than this would be considered a material misrepresentation since it directly affects the underwriting decision of whether the policy would have been accepted or not and so the insurance company would void  your policy. Your risk would be placed under the high risk category and this would be loaded almost on the same lines as drunk driving – sr22 car insurance or even high ratings. You are inviting higher premiums or infact rejection by any insurance company for this risk since no insurer would believe that you are disclosing the right facts.

Just to avoid paying higher premiums it is unadvisable and wrong to misrepresent the actual facts. Instead you should try to go for comparing online quotes or asking the agents for quotes. You can get cheap DUI quotes and high risk quotes, if you make a slight effort of  looking for this quotes online by yourself or through agents. The choice is yours.