Cheap SR22 Insurance in New York
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.