Driving Without Insurance New Jersey NJ
Filed under: Chespest DUI insurance, DUI insurance, Drunk driver insurance
Reader’s Question:
What happens if someone has no license and car insurance got involved in an accident but leaves the scene?
Harry
Clifton, NJ
Leaving the scene of an accident is a very serious violation. In most states, leaving the scene of the accident where there is a personal injury is a crime of the 4th degree. Driving without insurance penalties differ from state to state. For instance, driving without New Jersey car insurance will bring you mandatory penalties imposed that are greater than the first offender penalties for drunk driving or possession of marijuana. Mandatory penalties include automatic a $300.00 fine, loss of license for one year, and a period of community service to be determined by the Municipal Court.
Tags: car insurance rate, Driving without License, drunk driving insurance, DUI
Driving Without Insurance Penalties
Filed under: Drunk driver insurance, Online auto insurance
Reader’s Question:
I recently got involved in a car accident with someone and I had no auto insurance coverage. The other vehicle had uninsured motorist coverage. Whats going to happen?
George
Houston, TX
I am sorry to hear about what happened. The specific penalties differ from state to state for driving without insurance and/ or being involved in a car accident without car insurance. You may be held personally liable for the damages you caused even if the other person had insurance. Additionally, you will be subject to some financial responsibility rules that is enforced by your state.
I would really suggest that you contact a lawyer to determine your liability exposure and you may also contact your local driver’s license office to know what action(s) may be taken against your license.
You will also need to find out the insurance status of the other motorist through the local authorities (police report and/or investigation).
Tags: auto insurance, automobile, insurance advice
Drunk Driving Laws Texas TX
Reader’s Question:
My nephew was arrested for drunk-driving last year. He’ll be 19 next year. Will his DWI conviction go off his record? And how will his car insurance rates be affected?
Lisa
Beaumont, TX
Thanks for your question Lisa. Whether the DWI offender was a minor or not during the time the violation was made is not going to change the fact that his driving records will still show a DWI conviction.
DWI laws vary per state regarding how long a DWI conviction will stay on a DWI offender’s driving records. In California , DWI record stays for 7 years. In other states, for example, in New Mexico , it stays for 25 years while in Georgia it stays forever.
To know how many years it will stay on your nephew’s driving record and to see if your state has different rules regarding DWIs committed by a minor, I would suggest checking with the Department of Motor Vehicles in your area since your state may have different laws to the ones mentioned here.
Lastly, if the DWI conviction continues to stay on his record for a number of years, it will likely affect his auto insurance premium rates by putting him in a higher risk category. An individual in this category can expect the insurance premiums paid to possibly double, maybe even triple. (If he needs to look for a new insurance company he can get a car insurance quote online.)
DWI Car Insurance Rate
Reader’s Question:
If marijuana is found in someone’s vehicle by a law enforcement officer and they get a ticket for that, does their car insurance rate go up?
Jim
Denver, CO
It would likely depend upon the type of violation that the motorist was cited for. If it was a DWI or DUI, ticket that the individual received and they are convicted of this offense then it would go on their driving record where their insurance carrier could see it.
A DWI or DUI is considered a major violation and therefore insurance rates could be affected greatly. If the ticket was a different violation but still listed as a drug offense on your motor vehicle record (MVR) then it still would likely affect your auto insurance rates.
Insurance rating systems differ from one insurance carrier to another so if you were cited for an officer finding marijuana in your car you would need to verify from your insurance agent how your insurance carrier rates this type of violation.
Cheap Auto Insurance Rate
Filed under: Cheap insurance for DUI, Chespest DUI insurance, DUI insurance, Drunk driver insurance
Reader’s Question:
Is there anything I can do to get a cheaper insurance if I have a DUI on my drivers record?
Mitch
Jackson, MS
Having a major violation such as a DUI on your driving record can affect your car insurance rates since as a motorist you are seen as more of a risk to an insurance company. In most states if you have been convicted of DUI your license will be suspended for a certain period of time and then when you try to reinstate your driver’s license you will have to have your insurance carrier to file a SR-22, certificate of financial responsibility, on your behalf.
The best way to get the cheapest insurance rates after you have been convicted of a drunk driving is to shop around. Comparison shop online Make sure to ask for any discounts that may be available to you. This can be for safety features on your vehicle such as , anti-theft devices, traffic courses, driver improvement etc. Discounts vary from one insurance carrier to another so ask what ones are available to check if you can lower your insurance rates by applying the most discounts to your insurance policy.
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