Alcohol is a physically and psychologically addictive substance. For some people, a few semi-regular drinks to have fun can turn into an unhealthy and destructive coping mechanism. Unfortunately, alcohol addictions aren’t always easy to identify, let alone overcome. Alcoholism is a serious disease that requires serious attention and treatment. Everyone experiences addiction differently, which means that your recovery process might look different from someone else’s. It’s important to remember that you’re not alone. You can find the support and resources you need to address the issue and work your way to a healthier lifestyle. Learn more about the steps to overcoming an alcohol addiction with this guide.
Even though auto insurance is something every driving adult should have, it isn’t always easy to navigate. A lot of rules and details go into your insurance policy. If it’s your first time searching for quotes, you might be taken aback by all the things you didn’t know about auto insurance. Fortunately, it just takes a little research and experience to learn everything you need to know about your insurance policy. Gain the knowledge you need to obtain the best policy possible with these facts about auto insurance no one tells you. (more…)
There’s nothing like getting behind the wheel for the first time. Earning your license means earning a sense of independence and freedom. However, these rewards come with an important responsibility. Young drivers need to take their newfound independence seriously. This is why states require hours of practice and education before you can hit the road on your own. Even after you have your brand-new license in hand, there are still a few key things to keep in mind every time you slide into the driver’s seat. Start your driving career off on the right foot with these important lessons every new driver needs to learn. (more…)
A car accident can have far-reaching consequences on many different aspects of your life. Unfortunately, your wallet is often one of the things most affected by a wreck. From paying for damages to dealing with insurance spikes, you might be paying for the cost of an accident for years to come. It’s important to understand how these expenses work so that you can navigate them with as little issues as possible. Take care of yourself and your wallet with this guide to the financial effects of a car accident.
A DUI conviction comes with a lot of different consequences. One repercussion that can cost you a lot over time is the change in your auto insurance. Driving under the influence—like any other major traffic violation—will likely result in a spike in your insurance premium. This means a more expensive policy for the foreseeable future. A DUI can change a lot in your life, which is why it’s important to understand the kinds of consequences you may be facing. Learn more about how a DUI affects your insurance with this guide. (more…)
For many people, alcohol is just a normal part of life. You can have a few drinks with friends, raise a glass to celebrate, and otherwise drink recreationally without posing a risk to yourself and others. For some people, however, drinking alcohol can turn into an addiction that creates serious mental and physical health risks. Because alcohol is such a normal part of adult life, it isn’t always easy to tell when someone’s drinking turns into a problem. Furthermore, alcohol addiction looks different on everyone. It’s important to learn the signs of alcohol abuse so you can keep an eye out for symptoms and address the problem quickly to the best of your ability. To help you take care of yourself and your loved ones, here’s our guide on how to tell if someone has a drinking problem. (more…)
Not everyone who drives owns a car. If you’re cruising around in a vehicle that you borrow or rent, you still need a valid auto insurance policy. This is where non-owner car insurance comes in. A non-owner policy costs less than regular car insurance and covers less than other insurance policies, but it ensures that you meet your state’s minimum liability requirements for auto insurance. However, a non-owner policy isn’t for everyone. Find out if this is the car insurance policy for you with this overview of non-owner car insurance, what it covers, and who needs it. (more…)
For many people, SR22 insurance is a mystery. You might not know what it means or what it entails until you’re facing an SR22 requirement yourself. As a result, the information and details surrounding this topic can feel overwhelming. Fortunately, much of the SR22 is a straightforward process once you know what you’re dealing with. Though there are several rules and variations depending on where you live, you can find the information you need to obtain an SR22 insurance policy and set yourself up for success.
If you find yourself facing an SR22 requirement, we’re here to help. This comprehensive guide covers everything you should know about SR22 insurance requirements, policies, and what you can do to make the most of the situation.
What Is the SR22?
The term ‘SR22 insurance’ is actually misleading. In fact, SR22 insurance is simply a certificate that goes along with your insurance policy. Also known as a certificate of financial responsibility, the SR22 serves as a guarantee to the state that you’re keeping up with the minimum liability requirements on your auto insurance. Your insurance provider will file this form with the state when you purchase a policy with them. Likewise, if you cancel your policy or drop the SR22, the insurance company will inform your state of the change. Most states use SR22 insurance as a way of ensuring that high-risk drivers have enough insurance to cover them and other parties in the event of an accident.
Why Would You Need SR22 Insurance?
Not everyone needs SR22 insurance. It’s a measure reserved for drivers who the state deems to be high risk, usually after a major traffic violation. Many states require you to obtain SR22 insurance to reinstate a suspended license. You will also likely need it if you’ve been convicted of multiple or severe driving violations, such as:
- DUI or DWI
- Driving without auto insurance
- Driving without a valid license
- Causing a car accident
- Committing multiple traffic violations within a certain amount of time
- Other forms of reckless or aggressive driving
You can receive an SR22 requirement from your state or a court. If the requirement comes from a court, the judge will let you know at your hearing. If the state orders the SR22 requirement, you’ll receive a letter from the DMV notifying you of the policy.
The Different Types of SR22 Policies
Many people ask if you still need SR22 insurance when you don’t own a car. No matter how often you drive or how many vehicles you own, you still need to meet your SR22 insurance requirements. Fortunately, there are different types of SR22 insurance policies to accommodate both vehicle owners and non-owners. A traditional owner policy is for individuals who own their vehicles. A non-owner policy covers individuals who borrow or rent the vehicles they drive. Non-owner policies cover the individual rather than their vehicle. While these are often cheaper than other auto insurance plans, they also prevent you from owning your own vehicle during the length of your policy. Of course, you might fall somewhere in between these two categories. If that’s the case, you can obtain an owner/operator policy, which covers individuals who go back and forth between driving a rental car and driving their own vehicle.
Variations on the SR22
When it comes to what you should know about SR22 insurance, it’s important to remember that every state works differently. Some states don’t even have an SR22 requirement, while others have variations on the policy. You will never need to file for an SR22 certificate if you live in Delaware, Kentucky, New Mexico, New York, North Carolina, or Oklahoma. However, if you receive an SR22 insurance requirement in one state and move somewhere that doesn’t require the policy, then you will still need to keep up with your original requirements.
Alternatively, if you live in Florida, Virginia, Arkansas, or Indiana, you might receive a certificate of financial responsibility that differs from the SR22. Both Florida and Virginia have FR44 insurance, which specifically covers DUIs or DWIs. It’s important to note that you may still receive an SR22 insurance requirement in these states for other types of traffic violations. In Arkansas, you may need the SR21 form to reinstate your license after a major traffic violation. This form proves that you had valid auto insurance at the time of your accident, as opposed to the SR22—which you can still receive—that proves you continue to meet your requirements after the incident. The SR50 form in Indiana works in the same way, but it specifically involves reinstating your license after a DUI.
Affording an SR22 Policy
Because the SR22 is more of a form than an actual insurance policy, it doesn’t cost that much by itself. However, your insurance premium will increase when you receive an SR22 requirement. This added cost comes from the traffic violation itself. Once a DUI conviction or another major violation is on your record, insurance companies see you as more of a risk to insure. As a result, your policy will cost more. Fortunately, there are ways to keep your premium as low as possible. Remember that your current insurance company may not provide SR22 insurance. Even if they do, they may not have the best deals available. Make sure you shop around between insurance companies that offer SR22 so that you can look at different quotes and policies.
What Happens If You Drop Your SR22 Policy?
As mentioned above, your insurance company must tell the state if you drop or cancel your SR22 policy. If you fail to meet your requirements and allow your policy to lapse, the state will revoke your license and registration. You must then obtain a new SR22 policy in order to reinstate your license. The process begins all over again, meaning you will have to meet your SR22 requirements for a longer period of time. You might also find yourself facing a higher insurance premium due to the lapse of coverage. The length of your policy will vary depending on where you live, though most are somewhere between one and five years. It’s always best to meet your requirements for the entire duration of your SR22 insurance policy. If you have to switch insurance providers or otherwise change your policy, make sure your new insurance coverage is active before canceling your old policy. This will help you maintain your SR22 requirements without having to start the process over again.
Since you were a teenager with your newly printed license, you’ve probably heard all about the dangers of distracted driving. Even a single moment of distraction can lead to serious consequences for yourself, your passengers, and other drivers on the road. Anything that takes your attention away from the road causes at least one of the three types of distraction: visual, manual, and cognitive. Learn more about the different forms of distracted driving and their consequences with this overview. (more…)
We all grow up learning about the dangers of drinking and driving. A DUI offense can lead to personal, professional, legal, and financial troubles. However, knowing this doesn’t necessarily tell you the real cost of drinking and driving. If you receive a DUI charge, you’ll face fees and fines from a number of different sources. Even if you don’t end up with a conviction, these expenses can add up to thousands of dollars. Of course, these prices vary depending on where you live and other circumstances surrounding your case. Learn more about how much a first-offense DUI costs with this overview.
What You’re Paying For
You already know a DUI will cost you money, but what exactly are you paying for? Many expenses might come up during a first-offense DUI. You might have to pay bail, court fines, or attorney fees, which can range from a few hundred to a couple thousand dollars. Depending on your sentence, you might also have to spend money on alcohol education courses or an ignition interlock device. You can also expect to see an increase in your auto insurance premium, especially if you receive an SR22 insurance requirement. Fortunately, you can save money on this last expense by letting Serenity Group find you the best SR22 insurance quotes in California or any other state with an SR22 requirement.
Factors that Affect the Cost
The cost of a DUI can vary greatly depending on your circumstances. Factors such as the state in which you live or your blood alcohol content level can affect the price and outcome of your DUI charge. If you choose to go to trial, you’ll likely pay more in court and attorney fees, but you might save money by avoiding a conviction. Whether or not you caused an accident or property damage will also affect the cost of your DUI. For example, if you get into a minor wreck, you might still have to pay for car repairs, a towing service, and other expenses.
Keep in mind that this guide only covers how much a first-offense DUI costs. Most states are more lenient with first offenders, which means a second DUI or other major traffic violation can cost you much more. This is why your first DUI should also be your last one. If you take responsibility for your situation and stay on top of your payments and requirements, you can get through this period of your life and avoid paying even more in the long run.