Have you been ordered to obtain SR22 insurance by a court? If that’s the case, you’re already aware that SR22 insurance can be costly. SR22 insurance will cost you thousands of dollars per year in many areas. In fact, having an SR22 insurance endorsement might cost twice as much as regular car insurance, even though it provides no further protection. Here are some tips to help you get your SR22 insurance requirement removed in California.


There are significant differences between a DUI and a DWI, and the state in which the offense occurs determines the consequences for each. Driving while intoxicated (DWI) and driving under the influence (DUI) are two separate terms that can signify quite different things, depending on where they occur. Here are some of the major similarities and differences between DUIs and DWIs.


Despite what most insurance firms advertise on their websites, the truth is that the true prices of commercial vehicle insurance are frequently disguised. Interest rates for commercial trucks and equipment are influenced by a slew of factors. Fortunately, there are a few things you can do to bring down interest rates as soon as possible. Here are some great tips to help you reduce insurance costs for commercial vehicles.


The short answer is that a DUI in California stays on your driving record for 10 years, and on your criminal record for life. A DUI can influence several records, but you can take steps to modify some of them. Here’s everything you need to know about how long a DUI stays on your record.


If you’re in your own automobile or driving a rented car, you’ll be arrested for driving under the influence (DUI) or driving while intoxicated (DWI). Most major automobile rental companies will conduct a background check to see if you have ever been convicted of drunk driving. If you have a DUI/DWI conviction on your record, renting a car may be difficult. This includes renting a specific vehicle such as a truck, van, or recreational vehicle. Simply put, rental companies don’t want to risk renting cars to persons who might damage them or endanger others.


When it comes to auto coverage, broad form car insurance is a less expensive alternative because it simply covers one driver with the bare minimum of liability coverage. This means that any other person who drives your automobile is not covered. This form of coverage is only provided in a few states due to the high level of risk. Here are some of the major differences between broad form and full coverage insurance!


Some motorists in Illinois cannot obtain affordable auto insurance because they need SR22 insurance. Many people don’t understand auto insurance, which leads to inquiries like:


The border between personal and professional life can be blurry at times for small business entrepreneurs. When it comes to a vehicle that you’re using for personal and professional purposes, it’s crucial to understand how your auto insurer classifies commercial use. If your vehicle is insured under a personal auto insurance policy, the insurance company may refuse to pay for damages if it believes you were using the vehicle for business at the time of the accident. For example, if you use your personal automobile for ridesharing, your insurance company may classify it as a business vehicle. Here’s how to determine when a personal car becomes a commercial vehicle.

What Is the Definition of “Business-Related Purposes”?

Your insurance company may classify your vehicle as a commercial vehicle if you use it to pick up or deliver goods, provide a fee-based service, travel to a distant work location or between work locations, or pay visits to clients. Other circumstances that may cause your car to be classified as a commercial vehicle include:

  • Other people rent or lease the car.
  • The vehicle is fitted with a snowplow.
  • The vehicle has an altered suspension system or other equipment or modifications.
  • You or your employees drive the vehicle for both commercial and personal purposes on a regular basis.

Can You Buy a Business Vehicle in Your Personal Name?

Even if you use your vehicle for business, you have the option of purchasing and registering it in your own name. Purchasing a business automobile in your own name is. To begin with, you can buy and register a company vehicle in your own name if it costs less than $10,000. Simply buy it, title it, register it, and insure it all in your name. You can also use either an ordinary personal license plate or a commercial license plate.

Advantages of Insuring a Business Vehicle in Your Personal Name

As it turns out, registering your vehicle in such a way has a few benefits. One of the most notable advantages of insuring a business vehicle in your personal name is that you’ll have to deal with fewer procedures. Plus, the process takes less time than insuring it in your business’s name. As a result, you’ll be able to get your vehicle on the road more quickly.

We hope you have found our article on when a personal car becomes a commercial vehicle informative. If you’re looking to insure your personal or business vehicle for work or for FR-44 insurance quotes, be sure to reach out to Serenity Group.

It is prohibited for a driver to operate a vehicle while under the influence of alcohol, drugs, or both drugs and alcohol, according to most state laws. Drunk driving is defined as driving while inebriated with alcohol. Operating a car when intoxicated by drugs or both drugs and alcohol is known as drugged driving. While both drunk and drugged driving are dangerous, drugged driving outnumbers drunk driving in terms of driver fatalities. The offenses of drunk driving and drugged driving are both covered by most state DUI legislation, but they are not the same. Here are the major differences between drunk and drugged driving.

Differences between Drunk and Drugged Driving

No Legal Limit for Drugged Driving

Most jurisdictions’ DUI statutes clearly indicate that it is illegal for a motorist to operate a vehicle if his or her blood alcohol concentration (BAC) is 0.08 percent or above. This is not the situation, however, with drugged driving, where there is no established legal limit. Experts have never agreed on the quantity of drugs in a driver’s blood that renders him or her incapable of driving. It’s difficult to correlate drug concentration with driving performance. It’s even more difficult because many medicines might impair driving, yet each substance has its own set of consequences.

The majority of state laws solely say that driving while under the influence of drugs, both drugs and alcohol, or while addicted to a drug is banned. It is permissible to drive if you are receiving treatment for a drug addiction in an approved program. There is no legal limit for drugged driving in the legislation.

Testing for Drunk and Drugged Driving

Drunk driving and drugged driving have comparable basic testing processes. A traffic stop is the first step in testing for drug or alcohol intoxication. A traffic stop will be made if a police officer suspects you are inebriated. The police may inquire about your drug or alcohol intake. A PAS (preliminary alcohol testing) test using handheld equipment known as a breathalyzer may be requested by the officer. To ascertain if you are intoxicated, the police may ask you to undertake several field sobriety tests.

Officers also look for physical indicators of intoxication, such as constricted or dilated pupils. If the authorities suspect you are under the influence of narcotics, they may search your vehicle for drug paraphernalia.

You will be charged with drunk driving if the findings of the breathalyzer equipment show that your blood alcohol concentration (BAC) is higher than the legal limit. If your blood alcohol concentration (BAC) is less than 0.08 percent but you still appear intoxicated, it could be a sign that you are under the influence of drugs. It is impossible to establish the number of drugs in your system with a roadside test.

Drug Recognition Expert

When officers rule out alcohol intoxication but still see a driver who looks to be impaired, they may seek the assistance of a drug recognition expert. The specialist will arrive at the DUI arrest scene to assess the driver. The expert may ask the motorist to take a mouth swab test to see if drugs are present in his or her system. A DRE is a law enforcement officer with advanced training. He or she can detect the presence of drugs in a person’s system.

When evaluating to determine if you are indeed intoxicated on drugs, a DRE will:

  • Ascertain that your blood alcohol content (BAC) does not indicate alcohol intoxication.
  • Interrogate or interview the officer who made the arrest.
  • Examine you and search for physical symptoms of drunkenness, such as the size of your pupils, your pulse rate, the presence of drugs in your mouth or nose, your muscular tone, and any injection sites on your body.
  • The DRE may administer field sobriety tests such as the one-leg stand test, the finger-to-nose test, the walk-and-turn test, and the Romberg balance test.
  • The DRE may also do an eye-tracking examination to look for involuntary eye jerks.
  • The expert may initiate a conversation with you about your drug use and examine your reactions.

Blood Test Results for Drugged Driving

In most circumstances, blood testing isn’t required to determine whether or not someone has been drinking and driving. A blood test would be required if a driver is unconscious and unable to submit to drunk driving testing. Blood tests are mostly used in drugged driving tests. A prosecution may introduce the findings of a blood test during a trial for drugged driving.

A toxicological blood test can be used to detect the presence of substances in the circulation. A drug test can also be quantitative to help determine the level or amount of substances identified by a toxicology test. A DRE could testify and report that the amount of drugs in a driver’s system corresponds to his or her level of impairment.

No Correlation Between the Presence of Drugs and Intoxication 

There is a link between the amount of alcohol in one’s system and the level of intoxication when it comes to drunk driving. In drugged driving, however, this is not the case. The presence of drugs in a person’s system does not necessarily indicate that they are impaired.

Drugs affect different people in different ways, and some people will be more affected than others. After consuming medications for a long time, some people acquire a tolerance to them. As a result, persons who use drugs frequently may show fewer indicators of impairment than people who use seldom drugs.

We hope you have found our article on the differences between drunk driving and drugged driving helpful. If you have already been deemed a high-risk driver and need FR44 auto insurance, be sure to reach out to Serenity Group! We are dedicated to ensuring that the insurance buying process for high-risk drivers is as easy and fast for you as possible!

The Difference Between Drunk Driving & Drugged Driving

As you drive more, you’ll discover trends and similarities in the way other people drive. There are many different driving styles, but most fall into distinct groups with distinct characteristics. Here are three of the most common types of drivers you’ll come across on the road!