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

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.

SR22 Insurance

Kimberlee from Washington State sent a letter saying, “I would like to thank you for your professionalism and compassion in working with me over the last couple of years.  With the situation of me having to apply for SR22 insurance at the age of 54, needless to say I was humiliated.  You were always cheerful, helpful and courteous. Thank you very much.”

Technorati Tags: SR22, SR22 Insurance, Washington, Washington SR22, Washington State

FAST Online SR22 Filings, With Access to 16 Insurance Companies!

Reinstate Your Drivers License Immediately With an SR22!

To Learn More about SR22 Filings, who needs them, and how to get a quick quote on an SR22 filing to reinstate your driving privileges, visit our SR22 Form. Request an SR22 and we can issue your filing the SAME DAY!

Technorati Tags: Cheap Auto Insurance, Cheap Insurance, SR-22, SR22, SR22 Filings

The Buffalo News reports that DWI Offenders are less likely to re-offend when alcohol monitoring ankle bracelets are used.

Bracelets working as DWI deterrent Alcohol detectors surpassing hopes
By Patrick Lakamp NEWS STAFF REPORTER

Authorities a year ago started putting ankle bracelets on chronic drunken drivers to tell if they have had a drink.

Now the initial results are in, and the experiment has worked better than judges and anti-DWI advocates expected.

“We’ve gotten much better results than we dreamed,” said Buffalo City Judge Patrick M. Carney, who oversees the Erie County cases.

None of the 61 offenders was arrested again for drunken driving during the program’s first year in Buffalo and Niagara Falls courtrooms. Only a handful tampered with the monitoring device or were caught consuming alcohol, according to a preliminary report.

The report found that offenders:

• Tampered with the bracelets or failed to show up in court six times.

• Failed four drug tests out of 215 given.

• Fully passed unannounced breath tests during probation home visits.

• Showed up at 95 percent of 1,007 scheduled individual treatment visits and 2,420 group counseling sessions.

• Attended 3,330 support group meetings sponsored by Alcoholics Anonymous, Narcotics Anonymous or some other group.

If you have been convicted of a DWI or DUI and get the opportunity for a fresh start, take advantage of the monitoring programs and when you are clean and sober and ready to drive again, be sure to contact Serenity Group for you SR22 Insurance Needs.

1-800-546-5470

Cheap Car Insurance

Technorati Tags: Cheap Car Insurance, SR22

WHY IS AN SR-22 DIFFERENT THAN THE INSURANCE CARD I NOW CARRY?

UNLIKE A NORMAL INSURANCE ID CARD, THE SR-22 IS PROOF TO THE STATE MOTOR VEHICLE DEPARTMENT THAT THE OFFENDER IS COMPLYING WITH THE COURT ORDERED FINANCIAL RESPONSIBILITY OR INSURANCE. IF A PERSON REQUIRED TO CARRY AN SR-22 LETS THE INSURANCE LAPSE FOR ANY REASON, THE INSURANCE COMPANY MUST NOTIFY THE STATE OF THIS LAPSE. THE STATE WILL THEN AUTOMATICALLY SUSPEND THE DRIVER’S LICENSE WITH NO NOTICE.

More on SR22 here

Technorati Tags: Cheap Insurance, SR-22, SR22

WHAT IS AN SR-22?

AN SR-22 IS A DOCUMENT SHOWING PROOF OF FINANCIAL RESPONSIBILITY, OR PROOF OF INSURANCE. THIS DOCUMENT IS GENERALLY ORDERED BY STATE MOTOR VEHICLE DEPARTMENTS (DMV, DOL, DPS, ETC) FOR PEOPLE WHO HAVE HAD SERIOUS OR FELONY MOTOR VEHICLE CITATIONS.

THESE FILINGS ARE USUALLY MANDATED FOR DUI, FELONY DUI, AND AT-FAULT MOTOR VEHICLE ACCIDENTS WITHOUT AUTO INSURANCE.

AN SR-22 IS NOT AUTO INSURANCE, BUT SIMPLY PROOF OF AUTO INSURANCE.

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

According to the State of Colorado, an SR22 is a rider to an insurance policy. The Colorado State Department of Revenue states that in order to get your license back after having certain suspensions or revocations, or to keep from getting your license suspended you may have to file the SR22 form.

They go on to declare that the way you “file” a form SR22 in Colorado, as well as in many other states, is by going to an insurance agent and buying liability insurance and asking the agent to include the SR22 form.

Once the liability insurance and the SR22 have been bought, the form gets filed with the Colorado Motor Vehicle Division. You can bring it down yourself. Not all insurance companies have this form.

The Colorado SR22 site states that the form itself is not an insurance policy but a guarantee by the insurance company that you will keep insurance in effect for a certain period. If you don’t keep the Colorado SR22 current, the insurance company will notify the Motor Vehicle Division in Colorado. Once the Colorado Motor Vehicle Division has been notified that the Colorado SR22 is no longer in effect, but is still required, Motor Vehicle will suspend your license for that reason alone.

If you decide to change insurance companies, you need to get a new Colorado SR22 filed before the old one goes out of effect.

If you need a quotation for a Colorado SR22 call 1-800-774-0520 or fill out our simple form.

Technorati Tags: Colorado, Colorado SR22, SR22

WHAT DETERMINES YOUR INSURANCE RATES?

By Tom Black
Serenity Insurance Group

Have you ever moved, changed cars or jobs, only to find that your auto insurance premium jumped? Part of that rate increase could be due to one of many factors that are used to compute your insurance costs.

Where you live-people who live in more rural, or less populated areas within the same state generally have lower insurance costs. The companies figure that being around fewer people makes your likelihood of an accident less.

YOUR AGE-statistics show that people who have more driving experience have less accidents. Young drivers and young males in particular, are many times more likely to be involved in an accident than a person with 10 or more years driving history. (If you are a student, having a good grade average can help lower your premium)

YOUR DRIVING RECORD-the companies hire actuaries who determine your chances of getting in an accident. The more tickets you have on your record, actuaries have shown the more likely you will cause a wreck. Obviously, more serious tickets like Negligent Driving, Reckless Driving, and DUI drive these statistics higher. That is why most companies that will issue an SR-22 filing have higher rates for these high risk drivers.

YOUR CREDIT HISTORY-it may be hard to understand that there is a definite relationship with your credit history and your likelihood to cause or be involved in an accident. Some very scientific men have been able to show a direct correlation between your credit and your costs to an insurance carrier.

YOUR VEHICLE-Some cars or trucks cause more damage to other vehicles when involved in a collision. Some cars or trucks are just involved in more collisions. (Sports cars, hot rods, big SUV’s)

The ideal insurance risk (least likely to be in a wreck) would be a 6o year old married person, living in a farming community, who owns his own home, has no tickets, and drives a 2004 Buick LeSabre.

On the other hand, a very poor insurance risk is the 18 year old young man, living in Los Angeles, who is behind on his credit cards, has four speeding tickets and one reckless driving, and is driving a four year old Corvette.

Keep these things in mind when assessing your insurance costs.

Technorati Tags: Insurance, insurance rates, rates, Tom Black