Cheap SR22 Insurance in RI
RI SR22 Requirements
Violations such as reckless driving, driving under the influence (DUI), refusing to test when asked by law enforcement, at fault accidents or driving without insurance could cause you to have to file an SR 22 as proof of financial responsibility.
It is against the law in Rhode Island to operate a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. The limits are less for drivers under the age of 21 and commercial drivers. The DUI laws in Rhode Island also include driving under the influence of controlled substances such as marijuana, cocaine, inhalants and other drugs.
Penalties for a first time DUI offense in the state of Rhode Island are as follows:
- Up to 1 year in jail and/or
- 10 to 60 hours of community service
- A fine of from $100 to $300 for BAC of .08
- A fine of from $100 to $400 for BAC up to .15
- A fine of $500 for BAC which is higher than .15
- A highway assessment fee of $500
- License suspension from 30 to 180 days for BAC of .08
- License suspension from 3 months to 12 months for BAC up to .15
- License suspension from 3 months to 18 months for BAC which is higher than .15
- Attend a special course about driving while intoxicated
Rhode Island has an implied consent law that means that you agree to submit to a chemical test of your breath, urine or blood if a law enforcement officer suspects that you are driving under the influence. If you refuse to submit to the test, your license will be suspended immediately for 90 days. There could be additional fines and penalties applied by the court.
The minimum coverage required by the state for Rhode Island car insurance is as follows:
- $25,000 for Bodily Injury Liability person
- $50,000 for Bodily Injury Liability for all persons in an accident
- $25,00 for Property Damage Liability
Drivers must carry proof of insurance and present it to any law enforcement officer if they stop you for a traffic violation or if you have been involved in an accident where injury or damage has occurred. A valid insurance ID card must be presented to provide proof of insurance coverage. If the insurance policy has lapsed or the driver does not have insurance, the Rhode Island Division of Motor Vehicles (DMV) will suspend the driver’s privileges until proof of insurance is received.
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 Rhode Island are subject to change. If you have questions or want more information visit the Rhode Island Division of Insurance at http://www.dbr.state.ri.us/divisions/insurance/
or the Rhode Island Division of Motor Vehicles at http://www.dmv.ri.gov/
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