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Cheap SR22 Insurance in Florida

Steve — Tue, 31 Jan 2012 15:04:47 +0000

Cheap SR22 Insurance in FL

FL SR22 Requirements
The drunk driving laws in the State of Florida prohibits a driver to operate a vehicle with a blood alcohol level (BAL) of .08 or higher. In addition, the BAL level for a commercial driver is .04 and for drivers who are under the age of 21 it is .02.

Penalties for a first time DUI offense in the State of Florida are as follows:

6 months maximum in jail for BAL of .08 but less than .15
9 months maximum in jail for BAL above .15
A fine of from $500 to $1000 for BAL of .08 to .15
A fine of from $1000 to $2000 for BAL above .15 or if there is a minor in car
License suspension from 180 days to 1 year
For a Hardship Reinstatement of the license, the driver must complete DUI School prior to applying for the hardship
An ignition interlock device may be required
A Community Service Fine of $10 for each hour of community service required
Community Service of 50 hours
A Treatment Program may be allowed in lieu of imprisonment
Vehicle impoundment of 10 days

Florida will require the driver to have an SR22 filed with the state as proof of a liability policy in order to get the license reinstated after the license has been suspended or revoked. Once filed, the SR22 and the liability insurance must continue to be active. If the driver cancels the insurance policy, and therefore the SR22, for any reason the State of Florida Department of Highway Safety and Motor Vehicles will be notified. Drivers are required to carry the SR22 auto insurance documentation for up to 3 consecutive years.

If a driver is convicted of a DUI offense after October 1, 2007, then the driver is required to provide proof of bodily injury liability insurance as follows:

$100.000 per person
$300,000 per occurrence
$50,000 property damage liability

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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 Florida are subject to change. Visit the Florida Department of Highway Safety and Motor Vehicles at http://www.flhsmv.gov/ for current information.

Have you had a DUI or other driving offense that required SR22 and/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 Kentucky

Steve — Fri, 20 Jan 2012 14:11:36 +0000

Cheap SR22 Insurance in KY

KY SR22 Requirements
An SR22 is not required in the state of Kentucky after a drunk driving conviction. The state of Kentucky prohibits a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are lower BAC limits for drivers of commercial vehicles and for drivers under the age of 21.

The state has harsher penalties for a DUI with aggravated circumstances such as transporting a child under the age of twelve (12), driving 30 MPH over the posted speed limit, driving in the wrong direction on a limited access highway, causing an accident while impaired that causes injury or death, a BAC of .18 or above, for refusing a DUI test and other violations as determined by the state.

In Kentucky the first drunk driving conviction carries the following penalties:

Jail from 2 days up to 30 days
Jail of 4 days for an Aggravated DUI conviction
A fine from $200 to $500
Suspension of your driver’s license for 30 to 120 days
Alcohol or Drug Treatment Program for 90 days
Community labor for a minimum of 48 hours, up to 30 days

Kentucky has an implied consent law which means that you have given your consent to submit to a chemical test of your blood, breath or urine if stopped by an officer and he suspects that you are driving impaired. Refusal to submit to the test will result in your driver’s license being suspended for a period of 30 to 120 days.

The minimum required insurance is as follows:

$25,000 for death or injury of one person
$50,000 for death or injury of two or more persons per accident
$10,000 for damage to property
$25,000 for death or injury of one person
$50,000 for death or injury of two or more persons per accident
$10,000 for damage to property
$10,000 for Basic No Fault (PIP coverage) unless rejected

Drivers must carry proof of Kentucky car insurance in their vehicle at all times and present it to any law enforcement officer if they stop you for any reason. When renewing or transferring a motor vehicle registration, proof of insurance must be shown to the county clerk. Insurance companies operating in Kentucky are required to electronically report all personal auto insurance information to the Department of Motor Vehicles (DMV).

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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 New York

Steve — Tue, 17 Jan 2012 17:08:36 +0000

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.

Cheap SR22 Insurance in Illinois

Steve — Thu, 12 Jan 2012 16:47:13 +0000

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/.

Dedicated and Knowledgeable

Lynn — Wed, 11 Jan 2012 15:03:20 +0000

Chad, an auto insurance customer from Florida says:

Lisa has been working with me for quite a while and her assistance has been outstanding. She is dedicated and very knowledgeable. I have told all my friends to call her when they need insurance.

Thank you,

Chad
FL SR22 insurance customer

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Chad needed a Florida car insurance policy with an SR22 filing. Lisa got him a great rate and he has been very impressed with the help she has provided.

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.

Helpful Services

Lynn — Tue, 10 Jan 2012 16:02:25 +0000

An Oregon auto insurance customer sent the following note of appreciation:

Hi Ben,

Thank you for being so helpful! Please let me know if there is anything else I need to do.

Thanks again,

Jaime
OR SR22 insurance customer

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Jaime needed an Oregon car insurance policy with an SR22 filing. Jaime appreciated the help he received form Ben at Serenity.

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 Tennessee

Steve — Mon, 09 Jan 2012 16:40:08 +0000

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.

Great Service Appreciated

Lynn — Thu, 05 Jan 2012 15:14:22 +0000

A California auto insurance customer called to show appreciation for great service:

“Steve in Customer Service was very helpful, very friendly and he is very good at his job. Thank you for such great service.”

Corey
CA car insurance customer

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Corey needed help with his California car insurance policy and Steve helped him in a professional and friendly manner. Corey thought highly about this service and took time to call to let management know.

Affordable Insurance

Lynn — Wed, 04 Jan 2012 16:07:34 +0000

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.

Cheap SR22 Insurance in Idaho

Steve — Tue, 03 Jan 2012 17:34:01 +0000

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.