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New Minimum Coverage Requirements in Ohio

It is illegal to drive any motor vehicle in Ohio without insurance or other proof of financial responsibility. To comply with Ohio’s financial responsibility requirements, individuals must maintain insurance or get a bond.  If your driver’s license has been suspended and you are required to file an SR-22 in OH, a new law could make it more expensive to get your license back. An SR-22 shows the Bureau of Motor Vehicles (BMV) that you have at least the state minimum coverage for liability insurance. Most insurance companies file the SR22 with the BMV electronically. The required minimum for Bodily Injury Liability Coverage in Ohio is currently $12,500 per person injured in any one accident and $25,000 for all persons injured in any one accident.  The required minimum for Property Damage Liability Coverage is $7,500 for injury to or destruction of property of others in any one accident. By December 22, 2013, new law raises the minimum limits to $25,000 per person injured in any one accident with a $50,000.00 maximum for all persons injured in any one accident. The minimum Property Damage Coverage will be $25,000 for property of others.  The law requires companies to begin issuing policies with these new limits for new and renewal business no later than December 22, 2013. Failure to keep your car insurance policy active when you have an SR-22 is a serious problem. If your policy has a lapse in coverage due to failure to make the payment, or for any other reason, will cause the SR-22 filing period to start over from the beginning. This could mean a minimum of another three years having the SR-22 filed with your insurance policy.   Source: http://www.insurance.ohio.gov

Excellent Customer service from Mark

Dear Serenity, I just wanted to take a moment to comment on your employee Mark Carpenter’s treatment of me this morning. He was incredibly patient, understanding, non-judgmental and downright positive in guiding me through the morass of the dui insurance scheme. He spent quite a bit of time with me on the phone going over various options and even called me back at home. Awesome! I am a busy Mom and this was very helpful. He obviously is an asset to your company and customers….congratulations :) Regards, Kelly H Mendocino, CA

CA SR22 Insurance Customer Loyalty

“You all are the greatest and I have been blessed with each and every one of you in my life. The years we have gone, the miles together… thank you sincerely” -Jeremiah Jeremiah called Serenity in 2005 because he needed insruance with an SR-22 filing in CA. After receiving exceptional service from Serenity, he has remained a customer for over 8 years and counting. We appreciate your business, Jeremiah!

Elisha Helped Me Through a Hard Time

I would like to send my sincerest appreciation to your employee Elisha. During this hard time with the passing of my mother, I found myself overwhelmed with financial issues. Elisha assisted me in obtaining a new policy and I have never been so relieved to hear how easy this was going to be at this difficult time in my life. I cannot express how helpful , cordial, and sympathetic she was, not to mention professional! Please accept my gratitude for a positive and pleasant experience with your agent Elisha Davis. Thank you, Lauren in Clovis, CA

Karen Went Above and Beyond the Call of Duty

Good afternoon, My name is Todd and I just wanted to write you to tell you about my positive customer experience with your organization, and with Karen Sills specifically.  I first contacted Serenity around Veteran’s Day and Karen happened to receive my call.  I am just now getting my license back after several previous indiscretions and I was trying to understand the insurance possibilities for my situation.  I was interested in buying a luxury vehicle, but I didn’t want to commit to that if insurance would not be available or would be too costly.  Karen took my information and assured me that I should be able to find coverage.  Karen seemed pleasant so I asked if I could ask for her directly when I actually purchased a vehicle. I believe I called Karen once or twice more with various questions and each time Karen was more than willing to help.  Finally a week from this past Tuesday I find myself at the BMW dealership and the salesman wouldn’t move forward with the paperwork until I provided him with proof of insurance.  I had saved Karen’s number in my phone for just this situation and gave her a call.  Karen was able to located decent coverage but offered to do a little more research to see if she could do better since she knew my sales deal would take a while.  When she called back not only had she saved me money but she stated that the coverage was also much better. I realize I am getting a little long winded here, but I wanted you to know how much I appreciated Karen’s efforts in helping me through this process.  I feel that she did her job extremely well, and probably went above and beyond the call of duty as well.  In my opinion, you have a valuable asset in Karen and I wanted to share my experience. If you have any questions please feel free to contact me. Have a great afternoon! Regards, Todd in FL  

Sally Put Her Personal Life on Hold to Help Me

I’ve been a customer with you all for quite some time and I recently had an issue with my policy and your customer service representative Sally helped me out for several hours.  She put her personal life on hold, stayed late, had to reschedule her fingernail appointment, and did everything to just be there for me to give me a hand.  I think that’s way above and beyond typical customer service and I think she’s an absolutely awesome customer service lady and I wanted to give credit where credit is due.  I think Sally is awesome and I couldn’t ever ask for a better customer service representative.  Thank you all so much.  -Lane in VA

Mark Is My Hero

I have gone through a terrible nightmare trying to keep up insurance for my daughter who had a dui (due to  prescribed new meds for her bipolar disease)  and I have to tell you how much Mark C. (Serenity Insurance) has done for us. From the first words, he was so assuring and kind , so compassionate about what I was going through. He gave me hope when NO other company rep has done.  He immediately made me feel better, and proceded to get us the right coverage at a price we actually could afford.  He went way beyond the norm for us, and was comforting and helpful with each step of the way. He is unusual, and special, and has become my hero . I will direct anyone and everyone to him if they need help with insurance in the future. I’ve never experienced such accuracy and proficiency before. Thank you for your time. I hope you acknowledge this , and tell Mark how much he is appreciated! Yours Truly, Susan West Palm Beach, FL        

Cheap SR22 Insurance in Nevada

Cheap SR22 Insurance in NV

NV SR22 Requirements Some traffic violations, including DUI, reckless driving, driving without insurance and others may cause you to have to file an SR22 form to show proof of financial responsibility. In addition, drivers who have had their driver’s license suspended or revoked may also be required to file an SR22 in order to regain their driving privileges. The DMV will determine the length of time that the SR22 needs to be on file based on the seriousness of the violation. The SR22 can be required between 3 and 5 years. In the state of Nevada it is illegal to drive 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. If the driver is under age 21, the limit is .02. For commercial drivers any detectable amount of alcohol is a violation. Drivers can also be arrested and convicted of driving under the influence (DUI) with a score lower than .08 if they are found to be under the influence of controlled substances such as barbiturates, marijuana, stimulants, and any other intoxicants. Penalties for a first-time DUI are as follows:
  • 2 days, up to 6 months in jail
  • A fine from $400 to $1,000
  • License suspension for 90 days
  • Restricted license is possible after half of the suspension is served
  • An ignition interlock device may be required
  • Community service of 96 hours may be allowed in lieu of jail time
  • DUI school tuition
  • DUI treatment or DUI program possible
Subsequent DUI convictions cause the penalties to increase. Nevada 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 driving under the influence of drugs or alcohol. If you refuse to submit to the test the law enforcement officer may use reasonable force to obtain one of the samples listed. The minimum required liability insurance coverage is as follows:
  • $15,000 for Bodily Injury Liability for injury or death of one person
  • $30,000 for Bodily Injury Liability for two or more persons per accident
  • $10,000 for Property Damage Liability per accident for property damage
There is no grace period in Nevada if your insurance policy lapses or is canceled for any reason. Even a one-day lapse in your policy will result in a possible suspension of the vehicle registration. A fee of $250 will be charged to reinstate the registration. — 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 Nevada are subject to change.  Visit the Nevada Division of Insurance at http://www.doi.state.nv.us/ or the Nevada Department of Motor Vehicles at http://www.dmvstat.com/ for current information. Have you had a DUI 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 Nebraska

Cheap SR22 Insurance in NE

NE SR22 Requirements Some traffic violations, including DUI, reckless driving, driving without insurance and others may require you to file an SR22 form to show proof of financial responsibility. In addition, drivers who have had their driver’s license suspended or revoked may also be required to file an SR22 in order to regain their driving privileges. After purchasing a policy, the insurance company will electronically file the SR22 with the Nebraska DMV Department of Financial Responsibility. The Nebraska DMV will determine the length of time that the SR22 needs to be on file with the state. The time frame can be 3 to 5 years but is usually terminated after being in force for 3 years. If there is any lapse of the policy during the 3-year period, the DMV will be notified by the insurance company and the driver’s license will immediately be suspended. In the state of Nebraska it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are lower limits for drivers of commercial vehicles and also for drivers under the age of 21. Penalties and fines are much higher, sometimes double, if the driver’s BAC is .15 or higher. Drivers can also be arrested and convicted of a DUI if they are found to be under the influence of controlled substances such as marijuana and cocaine. Penalties for a first-time DUI are as follows:
  • 7 days, up to 60 days in jail
  • A fine up to $500
  • License suspension up to 6 months
  • License suspension up to 1 year if the BAC is .15 or higher
  • An ignition interlock device may be required
  • Alcohol Assessment/Alcohol Treatment are possible
Subsequent DUI convictions cause the penalties to increase. Nebraska 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 driving under the influence of drugs or alcohol. If you refuse to submit to the test the law enforcement officer will immediately confiscate your driver’s license and the court may subsequently suspend your license for 1 year. 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 two or more persons per accident
  • $25,000 for Property Damage Liability per accident for property damage
  • $25,000 for Uninsured/Underinsured Motorist per person
  • $50,000 for Uninsured/Underinsured Motorist per accident
— 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 Nebraska are subject to change.  Visit the Nebraska Department of Insurance at http://www.doi.ne.gov/ or the Nebraska Department of Motor Vehicles at http://www.dmv.state.ne.us/ for current information. Have you had a DUI 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 Minnesota

Cheap SR22 Insurance in MN

MN SR22 Requirements Minnesota state law requires that drivers convicted of driving while intoxicated (DWI) offenses to file an SR-22 form along with their insurance. The SR22 must be filed with the state for a period of three (3) years. The SR22 will be filed electronically by your insurance company with the state of Minnesota. In the state of Minnesota it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are lower limits for drivers of commercial vehicles of .04% and a limit of .02% for drivers under the age of 21. Drivers can also be arrested and convicted of driving while impaired if the law enforcement officer determines that you made driving errors due to alcohol even below the .08% BAC. Penalties for a first-time DWI are as follows:
  • Up to 90 days in jail
  • A fine up to $1,000
  • License suspension for up to 90 days
  • License suspension of 180 days if BAC is .20 or higher
  • License suspension of 180 days if a passenger under the age of 16 is in vehicle
  • An ignition interlock device is possible
  • Additional fees up to $430 for license reinstatement
 Subsequent DUI convictions cause the penalties to increase. Conviction for a felony DWI can result in imprisonment up to seven (7) years and a $14,000 fine. Minnesota 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 driving under the influence of drugs or alcohol. If you refuse to submit to the test the state can suspend your driver’s license for one (1) year and you could pay an additional fine of $680. The implied consent law also applies to recreational vehicles, boats, snowmobiles and ATV’s. The minimum required insurance coverage is as follows:
  • $30,000 for Bodily Injury Liability for injury of one person
  • $60,000 for Bodily Injury Liability for all persons in an accident
  • $10,000 for Property Damage Liability for property damage
  • $40,000 for Personal Injury Protection per person per accident
  • $25,000 for Uninsured Motorist Coverage for injuries for one person
  • $50,000 for Uninsured Motorist Coverage for two or more people injured
  • $25,000 for Underinsured Motorist for injuries for one person
  • $50,000 for Underinsured Motorist for two or more people injured
 If you are caught driving an uninsured vehicle on a Minnesota public road you could face suspension of your driver’s license, fines and imprisonment. Drivers must carry proof of insurance and present it to any law enforcement officer when asked. Owners can provide the proof required by showing their insurance policy documents or the current insurance ID card. In addition, since 2003 the state of Minnesota, Department of Public Safety (DPS) has been randomly mailing insurance verification forms to vehicle owners to verify that the vehicle is properly insured. — 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 Minnesota are subject to change.  Visit the Minnesota Department of Commerce, Insurance Commissioner’s Office at http://www.state.mn.us/portal/mn/jsp/home.do?agency=Insurance or the Minnesota Department of Public Safety at http://www.dps.state.mn.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.

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SR22 Insurance in 47 States

Filing form SR22 insurance is our primary business. We operate in a confidential manner to preserve the privacy of our clients in 47 states. More...

DUI/DWI Penalties by State

All 50 states have per se laws defining the crime of driving with a blood alcohol concentration (BAC) at or above 0.08 percent. More...

Frequently Asked Questions

What is an SR22 and how do I get it? Please consult our list of SR22 Frequently Asked Questions for guidance. More...

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