Drivers Facing DUI and DWI Charges Commonly Ask ”What Happens Next?”

Nearly every day we read or hear news reports about celebrities or well known executives getting news exposure for alcohol related offenses such as receiving a DUI, DWI, having an alcohol related auto accident or much worse, having an accident involving death.  Just this week, a Sports Exec, a State Senator and a Police Chief made news for being charged with a DUI-related offenses. The events following a DUI/DWI are stressful and intimidating enough and those in the spotlight tend to get more than their fair share of exposure:

Yankees executive Mark Newman charged with DUI in Tampa (Source: http://www.usatoday.com/sports/baseball/al/2010-03-09-828961517_x.htm)

State Senator Roy Ashburn nabbed on DUI charges (Source: http://www.kvsun.com/articles/2010/03/09/news/doc4b96a167e8a2e702017278.txt)

Tuscumbia Police Chief Tony Logan Found Guilty of DUI (Source: http://www.timesdaily.com/article/20100310/NEWS/100319994/1011/NEWS?Title=Logan-found-guilty-of-DUI)

County clerk facing DUI charge asks for jury trial (Source: http://www.ktul.com/news/stories/0310/714584.html)

You don’t hear much about the average citizens’ traffic offenses unless their DWI/DUI offenses are sensational enough to make the news.  In recent days, we found multiple news articles citing DUI/DWI’s by ordinary citizens:

Central Park Horse-Drawn Carriage Driver Fined for DUI (Source:  http://www.dnainfo.com/20100310/central-park/central-park-horsedrawn-carriage-driver-fined-for-dui)

School bus driver arrested for DUI on the job (Source: http://www.suntimes.com/news/24-7/2095524,bus-driver-dui-students-031010.article)

Rehoboth Beach woman charged with fourth DUI (Source: http://www.ktul.com/news/stories/0310/714584.html)

Wrong-way driver charged with DWI in NC (Source: http://www.reflector.com/state-news/wrong-way-driver-charged-dwi-nc-26515)

Regardless of how a driver, famous or ordinary is put into the position of defending themselves or dealing with penalties in court, they all will most invariably require an  SR-22 insurance filing.

The question many drivers in trouble face is, “What happens next?” We have put together a The DUI Survival Guide to help drivers in trouble by a Drunk Driving Arrest. Should you find yourself in similar circumstances, Serenity Insurance offers confidential, understanding agents who can assist you with your SR-22 insurance needs. Serenity Insurance understands customers that other car insurance companies are reluctant to help. 

Call us toll free today – 1-800-774-0520 or complete our Car Insurance Quote request form.

Technorati Tags: Drunk Driving, DUI, DWI, Mark Newman, Roy Ashburn, SR-22, SR-22 insurance, SR22 Insurance

Evaluate your Auto Insurance Policy

As an insurance broker representing multiple A-rated insurance companies, Serenity Insurance advises on the importance of regularly reviewing and evaluating your auto insurance needs. Drivers need to ensure they are adequately covered in event of an accident.

Before renewing your car insurance policy, be sure to mention to your Serenity agent any changes that may affect your policy. Buying a new car, moving, change of employment and commute distance, marriage, divorce, new drivers or adult children moving back home and other life changes can affect your car insurance. 

Accidents, tickets, and DUI’s can affect your car insurance rates. You may also need SR22 insurance. At Serenity, we understand customers that other car insurance companies are reluctant to help and do so confidentially.  Because we represent many insurance companies, we will search for the best SR-22 insurance rates to meet your needs.

Call us toll free today – 1-800-774-0520 or complete our Car Insurance Quote request form.

Technorati Tags: auto insurance, car insurance, mandatory auto insurance, SR-22 insurance, SR22 Insurance

MOTORCYCLE INSURANCE PROTECTION

Whether you’re a motorcycle enthusiast or a first-time rider out having fun, being responsible and being safe is what it’s all about. Being responsible includes having motorcycle insurance.

Most people rely on obtaining motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, motorcycle insurance gives you peace of mind in knowing you are protected.

There are policies for scooters and mopeds also at a lower cost that provides you with similar coverage that the motorcycle policy provides.

Serenity Insurance can write an insurance policy in 7 minutes. Call us toll free:  1-800-774-0520 or use our insurance quote form to obtain a motorcycle insurance quote today.

Technorati Tags: Insurance, motorcycle, Motorcycle Insurance

State governments may have a responsibility to protect lower-income groups during tough economic times, but it appears that Michigan regulators may be able to do more to balance auto insurance rates than a complete reform package.

This article addresses the road to regulation in Michigan and brings out valuable points to ponder.  It reads in part:

“The government should empower regulatory agencies that can force insurance companies to offer fair rates, rather than pass a bill completely revising, perhaps unwisely, the way rates are calculated.”

“Looking at a driver’s level of education, profession and income aren’t necessarily fair ways of determining an individual’s likelihood of being involved in an accident.”

“But while low-income drivers can’t afford to pay more than everyone else, insurance companies shouldn’t necessarily be barred from making determinations about whether drivers will be able to pay if they are involved in an accident.”

“Instead, legislators should expand the ability of regulatory agencies to make those determinations. Regulators should be given a strong mandate to make sure that insurance premiums are being calculated fairly and that low-income drivers aren’t getting the short end of the stick. Such a mandate would be able to protect the less fortunate while making sure that insurance companies don’t pass the costs on to middle-class families.” [ Read More ]

Serenity Insurance provides SR22 insurance in 47 states, including the state of Michigan.  Let us prove that we can beat the rates and service of the national insurance carriers. Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, Michican, SR-22, SR-22 insurance, SR22, SR22 Insurance

Congress continues debate on how to make auto insurance mandatory. The bills being talked about by legislators are causing much reaction from consumers and concerned parties from the insurance industry.

This article on how to make auto insurance mandatory caught our eye.  In reads in part:

“Reports say that as the health legislation continues, an outpour of overwhelming reaction is building online. Blogs, websites, and other information outlets are starting to be filled up with articles having the notion that the US government is going force the public to purchase a commercial product even if they don’t have enough to pay for it or don’t want to buy. Those who are against the health care legislation advancement also argue that coercing the public to purchase one commercial product can lead to forcing people to buy more products in the future.” [ Read More ]

In these tough economic times, many people may be tempted to reduce the amount of auto insurance coverage they have or drop their auto insurance altogether in order to save money. 

Serenity Insurance provides affordable choices for their customers. Whether you need an SR22 or preferred auto insurance rate quote, our goal is to provide the most competitive car insurance rates for our customers. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers. 

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, health insurance, Insurance, insurance industry

The debate continues about benefits and costs of health insurance. Pundits and consumers alike agree that the comparison of the health insurance mandate to mandatory car insurance is not relevent.  People have choices when it comes to car insurance.  If they don’t want to pay for it, they don’t have to drive.  The health insurance mandate, however, does not offer such choices. 

We found an interesting editorial comparing auto insurance mandates and health insurance mandates that caught our eye:

“Although there are legitimate concerns about the rate of compliance with a proposed health insurance mandate, comparing it to the experience with auto insurance is flawed reasoning.”

“First, compulsory auto insurance is a state-by-state mandate, and the rates of compliance vary depending on how seriously a state takes the issue. In Mississippi, for instance, it took forever for the Legislature to adopt a mandatory insurance law in the first place, and the enforcement mechanism is still not as strong as it could be.”
…
“The federal government, which would police mandatory health insurance, has an advantage over states when it comes to enforcement. It can set one national policy, rather than deal with regulations that vary state by state. It also has a huge club — the Internal Revenue Service — to dangle over the heads of the public and to assist in catching the scofflaws.”

“Furthermore, unlike auto insurance, which makes no allowances for the income levels of the purchaser, the main health-care reform plans being considered by Congress take into account income differences. They call for providing subsidies to people who truly can’t afford the full cost of coverage.”  [ Read More ]

Serenity Insurance offers affordable car insurance.  Let us prove that we can beat the rates and service of the national insurance carriers, regardless of your income. We offer coverage in 47 states. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, health insurance

Business Journal reports that Ohio has 11th lowest auto insurance rates

Car insurance rates throughout Ohio are declining, giving the state the 11th lowest auto insurance rates in the nation, according to a new study.

For the third consecutive year, state auto insurance rates have declined, according to the 2006/2007 Auto Insurance Database Report announced Wednesday by the National Association of Insurance Commissioners.

In 2007, the most recent data available, Ohio’s ranking as 11th lowest for auto insurance rates in the nation was an improvement from its ranking of 13th lowest in 2006.

[ Read More ]

Serenity Group Insurance provides cheap car insurance in 47 states, including the state of Ohio.

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520

Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out a car insurance quote request.

Serenity Insurance provides discounts for both cheap auto insurance and SR22 auto insurance. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request.

The following article by Bill Kenealty reports that most insured’s are not aware of their coverage or the discounts available to them.

“Americans are not utilizing all of the discounts that may be available to them in their homeowner and auto insurance, according to a new national survey conducted for Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA).”

“…  The study found 34% of respondents, representing 53 million households, admitting they are probably not taking advantage of all homeowners insurance discounts or indicating that they simply didn’t know. The results were largely similar with auto coverage, with more than 20% of car owners either not knowing or employing all the discounts available to them.”   [ Read more ]

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520  or fill out a car insurance quote request.

This past week, there has been a flurry of health insurance inquiries. There is quite a debate nationally about costs of health insurance, who should pay, who should be covered, what the coverage levels should be, etc.  Most pundits seem to agree that the comparison of the health insurance mandate to mandatory car insurance is not relevent.  People have choices when it comes to car insurance.  If they don’t want to pay for it, they don’t have to drive.  The health insurance mandate, however, does not offer such choices. 

There was a thought provoking article by Judson Berger - FoxNews that caught our eye:

“Critics are urging the Obama administration to use a different, more representative comparison than car insurance to justify a health insurance mandate. ”

“In building the case for mandatory health insurance, President Obama and congressional Democrats are comparing a proposed requirement to buy health coverage to the need for all car owners to buy auto insurance.”

…

“It’s true that most states require drivers to carry auto insurance. And it’s equally true that the administration wants a federal law that will require individuals and employers to buy health insurance.”

“But the similarities end there.”  [ Read more ]

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Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520

Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out a car insurance quote request.

Technorati Tags: auto insurance, car insurance, health insurance

Alaska DUI Laws – DUI Law in Alaska

The State of Alaska has a variety of rules and regulations related to those arrested and convicted of driving under the influence of alcohol (DUI), Driving While Intoxicated (DWI) and similar vehicular offenses.

State Laws change from time to time and we have attempted to summarize some of the laws of various states in this table of DUI Penalties. When we last checked, Alaska was providing information about Drunk Driving laws. Penalties and similar topics at Alaska DUI Laws. The Alaska Courts system provides a file here based on a pamphlet about Alaska DUI Laws The pamphlet summarizes the penalties for violating several Alaska statutes relating to the operation of motor vehicles and commercial motor vehicles while under the influence of an alcoholic beverage, inhalant, or controlled substance.

Included are introduction to penalties: DUI, refusal, DUI-CMV Mandatory penalties. Administrative revocation of license Limited license privileges Reinstatement of a driver’s license commercial DUI (DUI-CMV) penalties: Driving while license revoked or suspended, or in violation of a limited license penalties: Driving commercial vehicle while license revoked, while in violation of a limited license, or while disqualified

The Alaska State Trooper Public Information Office provides this easy
DUI Definitions Document and the Alaska Highway Safety Office provides this page about their Impaired Driving Program.

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520

Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out a car insurance quote request.

Technorati Tags: Alaska, Alaska DUI, Alaska DUI Law, Alaska DUI Laws, Alaska Law, Alaska Laws, Alaska State Law, DUI, DUI Law, DUI Law Alaska, DUI Laws, DUI Laws Alaska, Law, Law DUI, Laws, Laws DUI, State, State DUI Laws, State Law, State Laws, State of Alaska