What is DUI Insurance Coverage In California

Reader’s Question:

What is 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?

What is SR22 Car Insurance in New York?

Reader’s Question:

I was convicted of DUI and the court told me that to reinstate my license after suspension, I need to get a New York SR22. What is an auto insurance SR22?

James

New York, NY

Since you have had your license suspended, you have to face a more severe penalty than a simple few weeks suspension. For you to be able to comply with the SR22 law, you will have to purchase New York SR22 insurance for a total of 3 years before you are able to keep your license without it.

New York SR22 is a proof of insurance form. Your auto insurance provider will file the SR22 with the DMV in your area every month. If the form is not filed during the 3 year period you are required to have SR22 insurance, then your insurance will be canceled and your license again will be suspended.

It’s sometimes not easy to find New York SR22, so you’ll have to look a little harder. Since you are now part of a high risk group of motorist, it’s also very likely that you will have to pay a lot more in order to keep yourself insured. If you don’t want to have to file SR22 insurance, then you can avoid it by simply allowing your license to remain suspended for 3 years–but then you won’t be able to operate a vehicle.

What is the Penalty of Driving With Suspended License in Kansas

Reader’s Question:

I just want to know the penalty for driving with suspended license? My license was suspended because of DUI. I live in KS.

Henry

Thank you for asking Henry.

The Kansas Statue 40-3104 states that a first time offender found driving without insurance must pay fines between $300 to $1000 in addition to losing their driving privilege and vehicle plates. This can be reinstated through payment of a fee and providing proof of insurance coverage.

In addition to the KS Statutes it is also noted that during the time that your driving privilege is suspended, you cannot drive any place for any purpose. Conviction for driving on a suspended driver’s license is a class A non-person misdemeanor which is punishable by up to one year in jail and/or a $250 fine. The revocation period of your driver’s license will begin again for a period of three years from the date of your conviction.

An individual convicted of a second or greater conviction of driving while license is suspended is guilty of a class A non-person misdemeanor. This is offense is punishable by incarceration of at least five days, not exceeding one year. The person will not be eligible for parole until completion of five days imprisonment. The fine may not be less than $100 up to $2,500.

Goodluck!

MariCAR