Understanding How SR22 Affects Your Spouse

Reckless driving is no joke. If you receive a conviction for a DUI or other major traffic violation, the consequences can affect all aspects of your life. You’re not the only one who will have to deal with your actions, either. In many states, a reckless driving charge leads to an SR22 requirement, which changes insurance rates for both you and your spouse. It’s important to learn how SR22 insurance works so that you and your spouse can find the right policy and work through your requirements. Take care of your family with this guide to understanding how SR22 affects your spouse.

Finding an SR22 Provider

When you receive an SR22 requirement, the first thing to do is find an insurance provider that can help you meet these requirements. Although your spouse doesn’t need the SR22, you’ll still need it on your shared policy. Keep in mind that not all auto insurance companies offer to file the SR22 for you. Speak to your current provider to learn more about their filing fee and how an SR22 will affect your insurance rates. Even if your current insurance company offers SR22 insurance, it might not be the most affordable option.

Increased Insurance Rates

Even if your spouse has a clean driving record, your traffic violation labels you as a high-risk driver. Most insurance companies view married couples as joint owners, which means they’ll assume both of you are driving your vehicle. As a result, both you and your spouse will have to pay the higher insurance rates you receive after filing an SR22. Some states will allow your spouse to exclude you from their policy, but this can be tricky. The SR22 still requires you to hold auto insurance. As we mentioned, most insurance providers will view you and your spouse as joint owners of your vehicle. Sharing an auto policy is the simplest and easiest option for you and your spouse.

Find the Right Policy for Both of You

The SR22 will raise your premium, but it doesn’t have to take over your life. The key to understanding how SR22 affects your spouse is to do your research. Take the time with your spouse to shop around and look at your available options. Serenity Group can help you learn more and compare quotes for the SR22 online. With the right resources on your side, you can stay diligent, meet your requirements, and return to a normal life for you and your spouse.

What Happens When You Get a Second DUI Charge?

Every DUI charge is serious. Driving under the influence can lead to expensive fees, severe legal consequences, and dangerous circumstances that risk the lives of yourself and others. You shouldn’t take any DUI lightly, but a second charge is often more serious than the first. If you have a prior conviction on your driving record, courts will see you as a repeat offender and order stricter consequences for the DUI. As such, a second DUI charge can result in higher expenses and longer jail time or probation periods.

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How To Pick the Right SR22 Insurance Provider

When you shop for auto insurance, you have to carefully weigh each of your options to find the perfect policy. The same holds true when you need SR22 insurance. The SR22 is just another add-on to your auto insurance policy, but it can make finding the right provider difficult. You must take your time when choosing an insurance company. The more research you do, the better chance you’ll have of finding an affordable policy that takes care of all of your needs. Learn how to pick the right SR22 insurance provider with these expert tips. (more…)

The Different Types of Drivers on the Road

Just as every person in the world is unique, so is every driver. No matter where you drive or how many miles you travel, you’ll never come across two drivers who are exactly the same. However, there are a few categories that many of the drivers you meet will fall into. From the angry speedsters to the nervous beginners, you’ll cross paths with plenty of personalities on the road. Most types of drivers come with their own set of challenges and dangers to watch out for. It’s important to keep an eye out for signs of these drivers so you can avoid both running into them and becoming them. Stay safe behind the wheel with this complete guide to the different types of drivers on the road. (more…)

What To Know About Moving and SR22 Insurance

If you have an SR22 insurance requirement, it’s important to know how that policy affects the rest of your life. This is especially true when it comes to moving. A careless or lazy misstep, or even a simple misunderstanding, can make your requirement longer, more expensive, and much more stressful in the long run. The details surrounding SR22 insurance can seem complicated, but with the right information on your side, you can make your policy as painless as possible. Stay on track with this guide on what to know about moving and SR22 insurance.

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Important Ways Safe Driving Benefits Your Life

Everyone knows that you should be a safe driver, but that doesn’t mean everyone drives safely. Once you spend a few years behind the wheel, it’s easy to ignore some of the rules or grow lazy in your driving habits. However, safe driving is essential, no matter how much experience you have. Even beyond keeping you and your passengers safe, there are many reasons to stay diligent in the driver’s seat. Learn more by checking out these important ways safe driving benefits your life.

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Steps To Overcoming an Alcohol Addiction

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.

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3 Facts About Auto Insurance No One Tells You

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…)

8 Important Lessons Every New Driver Needs To Learn

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…)

The Financial Effects of a Car Accident

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.

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