SR-22 DUI Car Insurance
Reader’s Question:
I’m an 18-year-old student in Florida, and I rammed into a car the other night. The man behind the wheel says he will sue me for physical injuries and damages to his car because I was drunk and driving, and even get my license revoked. Can he really do this?
Allen
Tampa, FL
My goodness me, Allen, you are in a very tight situation, I must say. Let me try to put sense into everything that is happening to you right now. You rammed into a car and the man behind the wheel says he will sue you for physical injuries and damages to his car because you were driving under the influence (or what we commonly call DUI). You ask if he can legally do this. I say no. It actually depends on what state you are in, as the law could differ from state to state. But your angels must have been smiling down on you that night of the accident because you are from Florida. Because you see, the state of Florida follows a no-fault car insurance system. And because of this, you are spared of any legal and financial responsibilities to the other driver. Whether or not you are the liable party, the other car’s insurance coverage will have to pay for whatever damage to property and medical expenses there may be. Then we come to your other question. He wants to have your license revoked because you were driving under the influence. As for revoking your license, none of us can tell, not even the man whose car you rammed your car into. It will be the discretion of the police and the officials of Florida’s Department of Motor Vehicles and Road Safety. Most definitely, you will be required to carry an SR-22. But the fate of your driver’s license? You just have to keep your fingers crossed.
SR22 Car Insurance Bond California
Reader’s Question:
My 22-year-old son receives a ticket most of the time and recently got a DUI. I’m planning to establish a bond for him and his car. Car insurance is expensive since we live in California. I would like to get your opinion on whether this is a good idea.
Lilian
Berkeley, CA
The California’s Compulsory Financial Responsibility Law states that every owner and driver must be financially responsible. You will find the ways of accomplishing the financial obligations.
1. the motor vehicle should be covered by an auto insurance policy.
2. A $35,000 cash deposit to the DMV
3. A self-insurance certificate from DMV to owners of at least 25 vehicles.
4. A $35,000 surety bond issued by the insurance company in California
The insurance must be at least within the minimum liability required by the state or an approved alternative way to pay for a damage or injury in an accident. A non-compliance of this vehicle code entails a
severe penalty.
It seems that you plan to accomplish financial obligations in number 4. Because of the limited information, I cannot tell you whether this is a good idea or not. You can contact your insurance provider in California to find out which is better provided by your son’s current situation.
The California Department of Insurance telephone line is 800-927-HELP and can be reached from 8 am to 6 am, Mondays
through Fridays except holidays. You can get more information on this matter from them.
Cheap DUI insurance rates and more – see for yourself and save a boat load.
Drunk Driving Car Insurance
Reader’s Question:
I need drunk driver car insurance how many years does the DUI remain on your driving history in the state of Florida?
Thomas
Coral Springs, FL
According to Florida state law, a DUI in FL remains on your permanent record and on your driving record for seventy five (75) years.
The Florida Statutes authorize the Department of Highway Safety and Motor Vehicles (HSMV) to establish and keep the management of driving histories for drivers in Florida.
According to HSMV convictions reflecting point assessments stay on a customer’s complete driver record for a period of ten years from the date of conviction. But, serious convictions such as Vehicular Homicide, DUI, DUI/Manslaughter, etc will stay on the driving record for 75 years.
Cheap High Risk Auto Insurance
Reader’s Question:
I received a DUI but the insurance policy is not under my name do the insurance rates go up for the policy holder in Connecticut? I was told that I now need a high risk auto insurance policy to get my license back?
Leila
Bridgeport, CT
Yes, your DUI could affect the insurance rates for the policyholder if you are a motorist listed under their insurance policy. The driving record of any licensed motorist on an insurance policy or in a household can have an impact on the insurance premiums the same as the insurance carrier’s decision to insure the car. Certain violations may cause an insurance company to turn you or the policyholder down for insurance coverage or to pay high-risk insurance.
An individual with a bad driving record is more of a risk for an insurance carrier then an individual with a clean driving record and therefore their insurance rates are normally higher. The whole policy thus can be affected by one driver’s DUI or serious driving infraction.
If the your insurance rates go up because of your DUI, you may want to comparison shop for car insurance to check if they can find a better rate. You can get an insurance quote in Bridgeport, Connecticut here for FREE.
I got cheap DUI insurance so can you!
Driving Without Insurance – What Are The Penalties?
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)
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