Non-Owner Insurance for People who do not Own Cars

Named Non-Owner or Non-Owner insurance is a policy that provides liability protection for an individual who does not own a vehicle or have access to any for personal use on a regular basis, including vehicles owned by other members of the household.

Non-Owner policies provide stated limits of liability protection (BI/PD, MED, Uninsured/Underinsured Motorists BI) for the named insured while driving a non-owned vehicle. Coverage does not apply to vehicles owned by the insured or owned by a relative.

Coverage applies only to the person listed on the declarations page and does not extend to household members. Coverage is not provided for a spouse or other family members.

Physical damage for the vehicle is not provided on a Non-Owner policy. This is liability coverage only. Non-owner coverage is also not provided for business or artisan use.

If you do not own a car or have regular access to a vehicle in your household, you would qualify for a Named Non-Owner insurance policy. Check with your insurance agent or broker to see if you qualify for a Non-Owner policy.

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Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in NY

NY SR22 Requirements
The drunk driving laws in the State of New York prohibits a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. In addition, the BAC level for commercial drivers and for drivers who are under the age of 21 are lower. Drivers under the age of 21 are held to a zero tolerance and a minor could lose the privilege to drive until they reach adulthood.

The first conviction for driving while intoxicated (DWI) in New York with a BAC of .08 or higher is a misdemeanor. You can be fined from $500 to $1,000 and you could be sent to jail for up to 1 year. Your driver’s license will be suspended for at least 6 months and you will have to pay a mandatory conviction charge.

Penalties for a first time DWI offense in the State of New York are as follows:

• Up to 1 year in jail
• A fine of from $500 to $1000
• License suspension for at least 6 months
• Pay a Mandatory Surcharge for conviction
• Mandatory alcohol screening and/or alcohol evaluation

Other possibilities include:

• Ignition interlock device installation
• Driver Responsibility Assessment

If there is a passenger under the age of 16 in the vehicle, the penalties are increased:

• The DWI is now a Class E Felony
• The fine is up to $5,000 and/or up to 4 years in jail

Subsequent DWI convictions cause the penalties to increase.

New York has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence of alcohol or drugs. Refusal to submit to the test will result in your driver’s license being suspended and revoked for a minimum of 12 months. You will also be fined $500 for your first refusal and $750 for a second refusal.

The minimum coverage required for New York car insurance is as follows:

• $25,000 for Bodily Injury Liability of one person (not resulting in death)
• $50,000 for any injury resulting in the death of one person
• $50,000 for Bodily Injury for two or more persons (not resulting in death)
• $100,000 for any injuries resulting in the death of two or more persons
• $10,000 for property damage liability
• Uninsured/Underinsured Motorist Coverage at equal limits to Liability
• Personal Injury Protection

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of New York are subject to change.  Visit the New York Insurance Department at http://www.ins.state.ny.us/ or the New York State Department of Motor Vehicles at http://www.nydmv.state.ny.us/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in IL

IL SR22 Requirements
In the State of Illinois driving under the influence (DUI) is classified as a violent crime. If you are convicted of a DUI offense, the violation will remain on your driving record permanently. It is against the law for a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. A DUI includes alcohol, or drugs or both, and any other intoxicants.

Penalties for a first time DUI offense in Illinois are as follows:

• Jail up to 1 year possible
• If a child under 16 is in the vehicle, add 6 months of additional jail time
• A fine up to $2500
• Add an additional $500 minimum if the BAC is above .16
• Add $1000 minimum if a child under 16 is in the vehicle
• License suspension a minimum of 1 year
• A Breath Alcohol Ignition Interlock Device is possible
• Suspension of the vehicle registration
• Community service of 100 hours minimum if BAC is above .16
• Community service of 25 days if a child under 16 is in the vehicle

If you are convicted of a DUI you are also subject to filing a Financial Responsibility Form SR22 for 3 years. Before you can drive again, you must undergo an alcohol/drug evaluation and successfully complete a rehabilitation or alcohol/drug education program.

Drivers must have vehicle liability insurance with the following minimum coverage:

• $20,000 for injury or death of one person injured in an accident
• $40,000 for injury or death of more than one person in an accident
• $15,00 for damage to property of another person

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the State of Illinois are subject to change.  If you have questions or want more information visit the Illinois Department of Insurance at http://insurance.illinois.gov/.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in TN

TN SR22 Requirements
It is illegal in the State of Tennessee to drive a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles (.04) and a .02 for drivers under the age of 21. The Tennessee DUI law also prohibits driving under the influence of other intoxicants such as inhalants, marijuana, amphetamines and other intoxicants.

Tennessee has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood if stopped by an officer and he suspects that you are under the influence. First refusal to submit to the test will result in your driver’s license being revoked for a period of 1 year.

The penalties for a first time Tennessee DUI offense are as follows:

• Fine of $350 to $1,500
• Jail for a minimum of 48 hours or up to 11 months
• License suspension for 1 year
• An ignition interlock device is required if:
  - The BAC is above .15
  - A passenger under the age of 18 is in the vehicle
  - Implied Consent/Test is refused

Other possible penalties include:

• Litter pick-up for three 8-hour shifts
• Penalties for child endangerment if the passenger is under 18
• Attend an Alcohol Safety DUI School Program

The SR-22 is a proof of financial responsibility and can be required for a total of 5 years from the date of your suspension. If the SR22 is filed for a total of 3 years within the 5-year period, the DOS can cancel the SR22 provided it is not required for any other suspension. The SR22 is required for a period of 3 years for a drunk driving conviction. If the SR22 is cancelled before the required time, your driving privileges will be suspended.

The minimum requirement liability insurance coverage for the State of Tennessee is as follows:

• $25,000 for Bodily Injury Liability per person injured in an accident
• $50,000 for Bodily Injury Liability for all bodily injuries in one accident
• $15,000 for Property Damage Liability in one accident

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Tennessee are subject to change.  Visit the Tennessee Department of Commerce and Insurance at  http://www.tn.gov/commerce/index.shtml  or the Tennessee Department of Revenue/Vehicles at http://tennessee.gov/revenue/vehicle/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

A Florida car insurance customer sent the following note expressing his gratitude:

Thank you so very much for your assistance today Ben!!!

I just completed the E-signature and everything is good to go. You have saved my life and taken me out of the DOG HOUSE with my wife HA!

Thank you and have a great weekend!!!

Sherman
FL auto insurance customer

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Sherman needed a Florida car insurance policy and had been having trouble find one that was reasonably priced. He was very happy with the policy that Ben was able to provide him.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in ID

ID SR22 Requirements
The State of Idaho has a drunk driving law that prohibits a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles and also for drivers under the age of 21.

In Idaho the first conviction for a DUI is a misdemeanor and you can be sentenced to jail for no longer than 6 months. The state can also fine you up to $1,000, your driver’s license will be suspended for a minimum of 30 days and the judge can extend the suspension period longer. The list of penalties for a first time DUI in Idaho is as follows:

• Up to 6 months in jail
• Up to $1,000 fine
• License suspension for 90 to 180 days
• A restricted license is possible after 30 days
• Alcohol evaluation and treatment may be ordered

If your license is suspended for a DUI in Idaho, you will have to apply for a reinstatement with the Idaho Transportation Department. If your license was suspended for a DUI, you will be required to obtain proof of financial responsibility. Proof of financial responsibility is provided by an SR-22 filing with your liability insurance and is required for 3 years following the reinstatement of your driver’s license. An SR-22 shows the Transportation Department that you have at least the state minimum coverage for liability insurance.

The minimum required liability insurance coverage is as follows:

• $25,000 for Bodily Injury Liability for injury or death of one person
• $50,000 for Bodily Injury Liability for injury or death of two or more persons
• $15,000 for Property Damage Liability for damage to property

Law enforcement officers can ask you for proof of insurance at any time if they stop you for a traffic violation or a safety check.

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice. Insurance requirements in the state of Idaho are subject to change. Visit the Idaho Department of Insurance at http://www.doi.idaho.gov/ or the Idaho Transportation Department at http://itd.idaho.gov/dmv/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in SC

SC SR22 Requirements
It is against the law in South Carolina to operate a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. The limits are lower for drivers under the age of 21 and commercial drivers. In addition to alcohol, it is also against the law to drive under the influence of controlled substances such as cocaine, marijuana, and any other intoxicants.

South Carolina has an implied consent law that means that you agree to submit to a chemical test of your breath, urine or blood if you have been stopped by a law enforcement officer and he suspects that you are driving while under the influence of drugs or alcohol. If a driver refuses to submit to this test, the driver’s license will immediately be suspended for at least 90 days.

Multiple convictions for DUI may result in a court ordered installation of an ignition interlock device. This device would be installed on the vehicle of the convicted driver and at his expense.

DUI fines and penalties vary according to the blood alcohol content (BAC) of the driver when he’s arrested:

• with a BAC under .10
  - license suspension of 6 months
  - fine of $400
  - jail time minimum of 48 hours to a maximum of 30 days, or
  - 48 hours of public service
• with a BAC of .10 and under .16
  - license suspension 6 months
  - fine of $500
  - jail time minimum of 72 hours to a maximum of 30 days, or
  - 72 hours of public service
• With a BAC above .16
  - license suspension of 6 months
  - fine of $1,000
  - jail time minimum of 30 days to a maximum of 90 days, or
  - 30 days of public service

In addition to filing the SR 22, a reinstatement fee of $100.00 must be paid and the driver must complete a certified Alcohol and Drug Safety Action Program (ADSAP). The enrollment in ADSAP must be on file with the DMV before the driving privileges can be restored.

The minimum insurance coverage required is as follows:

• $25,000 for bodily injury for each person
• $50,000 for bodily injury for all persons in an accident
• $25,00 for property damage
• Uninsured/Underinsured motorist bodily injury of $25,000/$50,000
• Uninsured/Underinsured motorist property damage of $25,000

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the State of South Carolina are subject to change.  If you have questions or want more information visit the South Carolina Department of Insurance at http://doi.sc.gov/Pages/default.aspx  or the South Carolina Department of Motor Vehicles at  http://www.scdmvonline.com/DMVNew/default.aspx.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in IN

IN SR22/SR50 Requirements
Some traffic violations, including DUI, may cause the BMV to have you file an SR22 form to show proof of financial responsibility. Drivers who are required to file an SR22 must maintain financial responsibility for 3 years. If financial responsibility is being maintained by having a liability insurance policy, then that policy must be in force for 3 years. If the policy lapses financial responsibility also lapses, and your driver’s license will be suspended.

If your driver’s license is suspended for any reason, the BMV will require you to file an SR50 to show proof of current insurance on your vehicle. The SR50 is used to reinstate your driver’s license after suspension and after paying the reinstatement fee. The SR50 is completed by your insurance company and sent back to the BMV.

The State of Indiana prohibits a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles, BAC of .04, and also for drivers under the age of 21 the BAC limit is .02. A conviction for a DUI in Indiana is a Class C misdemeanor for a first time offense. First time DUI offenses can cost the driver up to $5,000 in addition to other penalties and costs.

In Indiana penalties for a first time DUI are as follows:

• 30 days minimum up to 60 days in jail
• If the BAC is .15 or higher, jail time can be up to 1 year
• Up to $300 fine
• Up to $5,000 fine if the BAC is .15 or higher
• License suspension for 6 months up to 2 years
• Court fee of $300 or more
• 2 years probation

Other possible penalties include:

• Ignition interlock device at driver’s expense
• Community service time
• Substance abuse education
• Attend a victim impact panel
• Submit to further urine testing

Indiana has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence. First refusal to submit to the test will result in your driver’s license being suspended for a period of 1 year.

The minimum required liability insurance coverage is as follows:

• $25,000 for Bodily Injury Liability per injured person
• $50,000 for Bodily Injury Liability per accident
• $10,000 for Property Damage Liability for damage to property

In addition the insurance liability policy must include coverage for uninsured and underinsured motorist coverage unless the policyholder rejects this coverage in writing. The minimum limits for uninsured/underinsured motorist coverage is:

• Uninsured Motorists Bodily Injury of $25,000/$50,000
• Uninsured Motorists Property Damage Liability of $10,000
• Underinsured Motorists Bodily Injury of $50,000 if UM is selected

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Indiana are subject to change.  Visit the Indiana Department of Insurance at  http://www.in.gov/idoi/ or the Indiana Bureau of Motor Vehicles at http://www.in.gov/bmv/  for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in UT

UT SR22 Requirements
The State of Utah has a drunk driving law that prohibits a driver from operating a vehicle with a blood alcohol concentration (BAC) of .08 or higher. Utah has lower BAC limits (.04) for drivers of commercial vehicles and a zero tolerance law for drivers under the age of 21. The DUI law for Utah also prohibits the driver to operate a vehicle if under the influence of other controlled substances such as marijuana, cocaine, inhalants and other intoxicants.

In Utah the first conviction for a DUI carries the following penalties:

• 48 hours minimum in jail or 48 hours in a Work Service Program
• Home confinement
• A minimum $700 fine
• A suspension of your license for 120 days

Other possible penalties include the following:

• Home confinement through the use of electronic monitoring
• Participation in an Alcohol/Drug Screening process
• Alcohol/Drug Assessment participation
• Substance abuse education
• Participation in substance abuse treatment

Subsequent DUI convictions cause the penalties to increase up to a fine of $1,500.00, jail time of 1,500 hours, license suspension of 2 years, and the installation of an ignition control device.

Utah has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence of alcohol or drugs even if the drugs are prescription. Refusal to submit to the test will result in your driver’s license being suspended for a period of 18 months for the first offense and up to 2 years for subsequent refusals.

The minimum required insurance coverage is as follows:

• $25,000 for Bodily Injury Liability per person
• $65,000 for Bodily Injury Liability per accident
• $15,000 for Property Damage Liability for damage to property
• $3,000 for Personal Injury Protection (medical payment coverage)

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Utah are subject to change.  Visit the Utah Insurance Department at http://www.insurance.utah.gov/ or the Utah Division of Motor Vehicles at http://dmv.utah.gov/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Donald from Florida sent, “Shannon helped me greatly and always does by finding the best deals on car insurance. I will always contact her/Serenity when I have an insurance need.”

Thanks, Donald
FL auto insurance customer

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Donald was shopping for a cheap Florida car insurance policy and was pleased with the quote that Shannon provided for him. He purchased the policy and he said he would recommend Serenity to all his friends.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.