DUI Insurance In California

Reader’s Question:

What is a dui insurance in California?

Carla

Los Angeles CA

Technically speaking, there is no dui insurance in California. The Department of Motor Vehicles will require a driver caught driving while under the influence to secure an sr22 form from an insurance agency as a proof of financial capability or as a proof of insurance. The sr22 form will show the agency that the driver has at least the minimum liability requirement in the state of California. When you are asked to file a dui insurance in California, it only means the sr22 form. Other major traffic violations will also result to an sr22 form. Any insurance company in your place can help you with this form. However, you have to be careful when dealing with some agents for a dui insurance in California.

In some cases, they would force a person needing this form to buy what they offer even if the price is quite high. There are really people who would exploit those who are in need. What you can do is to solicit for quotes from as many insurers as you can. Or go online to find for affordable sr22 forms. There are online calculators you can use to get quick quotes. Once you have enough data, that’s the time to choose which insurer to choose.

Want to get a free online rate quote for DUI insurance while you are here?

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.

DUI Auto Insurance Rates

Reader’s Question:

If I get caught driving under the influence here in Cheyenne, Wyoming, what will happen to my auto insurance policy?  Will I need special DUI insurance?

Oliver

Cheyenne, Wyoming

Driving under the influence (DUI) is a serious matter that, us, drivers should not be too quick to neglect because it affects us in a lot of different ways. Aside from putting our lives and the lives of our passengers in danger, having DUI offense may also affect us financially.

Lately, states in this country are tightening the leash when it comes to this issue. In states like Oregon, Ohio, Iowa and Minnesota, laws are already ordering those with DUI offenses to have some kind of identification mark on their vehicles as punishment. Aside from this, their driving privileges are also being restricted. Some studies say that this tagging system is actually effective on lowering the numbers of DUI offenders.

So, now if the laws of states are getting really strict when it comes to DUI, just imagine its repercussions on your automobile insurance policy. Companies deal with this matter differently. They could actually give DUI customers very high rates or they could cancel or opt to not renew the policies of their customers.

If you are caught drunk driving there in Cheyenne, Wyoming, your automobile insurance company would most likely consider you as a high risk driver. This makes your premium skyrocket because most companies are not going to be willing to insure high risk drivers. In this case, you will be required to file a proof of insurance with Wyoming’s Department of Motor Vehicles (DMV) for three or even five years.

So, if I were you, just don’t drink and drive.

Don’t leave without getting a free DUI insurance rate quote today and save a ton of cash.

DUI Insurance

Reader’s Question:

Help I need to find DUI insurance. How long does a DUI stay on your driving record in Connecticut?

George

Hamden, CT

According to the Connecticut Department of motor vehicles records of moving violations on driving records are maintained for three years for most violations, although some serious infractions may stay active on the driving record for ten years.

From what I have read it would appear that a DUI remains on your Hamden Connecticut driving history for the full ten years. Since state statutes can change over time you may want to verify with the Connecticut DMV to see for sure the number of years a Driving Under the Influence conviction will stay on your driving record.

Drunk Driving Laws in Texas

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.)